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“Banking
Ahead” banking doesn’t discard what’s come
before. We
build upon it. Expand through it. And evolve from it.
At Southwest
Bank of Texas, our leadership in innovative banking is driven
by our dedication to what we call “The Fundamentals.”
The core
practices of which we believe no bank should lose sight …
they are the practical value we’ve been delivering to
our customers since our founding in 1990.
Through
competitively priced commercial and retail banking products
and services. Time-saving technology. And unsurpassed customer
service.
From Commercial.
To Retail. From Automated Treasury Solutions. To Mortgage
Lending. To Benefits Management.
And through
this philosophy of thoughtful and constant reevaluation and
response, rather than reaction and reinvention, we’re
able to sensitively guide most customers to higher and higher
levels of efficiencies and economies in banking. As they’re
ready.
On their
schedules. Not ours.
It’s
a philosophy of respect. For customers.
For fundamentals.
For what’s come before.
It’s
what’s guiding our bank into the future.
 1
BANK@HOME 2.0 Our retail, Internet-based e-banking service,
bank@home, continues to garner national attention as a standard
to pursue. This year not only introduced a clean, new look
to the service, but also ushered in a range of new, enhanced
and expanded features, including:
 Real-Time
Environment
Online
Enrollment
Online
User ID Selection
Funds Transfer
as Immediate, Scheduled or Recurring
Data Export
to Quicken® and Microsoft® Money
Balance
Alerts as Balances Exceed or Fall Below
Predetermined Amount Thresholds
Telephone-Accessible
Internet Customer Service
Representatives
Customizable
Web Site Links
Online
Check Reordering
2
SWEEPING UP Year 2000 saw the introduction of our Eurodollar
Sweep account, yet another investment vehicle available for
our customers. By chartering a Southwest Bank of Texas branch
in the Cayman Islands, our Eurodollar Sweep offers customers
the option of earning interest on unused funds residing in
primary operating or concentration accounts. This sweep feature,
available at Southwest Bank of Texas through qualifying money
fund accounts and repurchase agreements, allows customers
the option of investing otherwise dormant funds, even if just
overnight. For many businesses, it makes a lot of sense. And
generates a significant return. Just one more way we’re
making sure our customers can make the best choices possible,
from among the best financial tools available.
3
NETST@R SHINING EVEN BRIGHTER With customer usage of (and
delight with) NetST@RSM growing, Southwest Bank
of Texas continues to innovate and expand this industry model
for commercial e-banking services. New and expanded features
include:
Data
Importability to a Variety of Client-Based
Accounting and Financial Program Packages
Real-Time
Reporting
Positive
Pay Fraud Protection
Longer
45-Day Retained Transaction History
Customer-Initiated
Electronic Wire Transfers, Both Domestic and International
Online
Viewing of Paid Checks—Both Front and Back Imaging
NetST@RSM
is now the day-to-day interface with Southwest Bank
of Texas for our commercial customers, allowing our commercial
banking representatives to focus even more on customers’
big-picture financial issues. And providing big-picture financial
solutions.
S O U T H W E S T B A N C O R P O R A T I O N
O F T E X A S , I N C
. A N N U A L R E P O R T 2
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