We are focused on delivering a wide variety of relationship-driven commercial
banking products and services tailored to meet the needs of small to medium-sized
businesses and professionals in the Dallas metropolitan area. A general discussion
of the range of commercial banking products and other services we offer follows.
Lending Activities.
Our underwriting philosophy seeks to balance our desire to make sound, high
quality loans while recognizing that lending money involves a degree of business
risk. Managing credit risk is a company-wide process. Our strategy for credit
risk management includes well-defined, centralized credit policies, uniform
underwriting criteria by loan type and ongoing risk monitoring and review processes
for all types of credit exposures. Our processes emphasize early-stage review
of loans, regular credit evaluations and management reviews of loans, which
supplement the ongoing and proactive credit monitoring and loan servicing provided
by our loan officers and lending support staff. Our Director’s Loan Committee
and Executive Loan Committee provide company-wide credit oversight and periodically
review all credit risk portfolios to ensure that the risk identification processes
are functioning properly and that our credit standards are followed. In addition,
a third-party loan review is performed at least annually to identify problem
assets and confirm our internal risk rating of loans. We attempt to identify
potential problem loans early in an effort to aggressively seek resolution of
these situations before the loans become a loss, record any necessary charge-offs
promptly and maintain adequate allowance levels for probable loan losses inherent
in the loan portfolio.
Deposits. Deposits are our principal source of funds for our interest earning
assets. We believe that a critical component of our success is the importance
we place on our deposit services. Our services include the usual deposit functions
of commercial banks, safe deposit facilities, commercial and personal banking
services in addition to our loan offerings. We offer a variety of deposit products
and services consistent with the goal of attracting a wide variety of customers,
including high net worth individuals and small to medium-sized businesses. The
types of deposit accounts we offer consist of demand, savings, money market
and time accounts. We actively pursue business checking accounts by offering
competitive rates, telephone banking, online banking and other convenient services
to our customers. We also pursue commercial deposit accounts that will benefit
from the utilization of our treasury management services.
Other Products and Services. We offer banking products and services that are
attractively priced and easily understood by the customer, with a focus on convenience
and accessibility. We offer a full suite of online banking solutions including
access to account balances, online transfers, online bill payment and electronic
delivery of customer statements, as well as ATMs, and banking by telephone,
mail and personal appointment. We also offer debit cards, night depository,
direct deposit, cashier’s checks, and letters of credit, as well as treasury
management services including wire transfer services and automated clearinghouse
services.
We offer a full array of commercial treasury management services designed to
be competitive with banks of all sizes. Treasury Management Services include
balance reporting (including current day and previous day activity), transfers
between accounts, wire transfer initiation, automated clearinghouse origination
and stop payments. Cash management deposit products consist of lockbox, remote
deposit capture, positive pay, reverse positive pay, account reconciliation
services, zero balance accounts, and sweep accounts including loan sweep.