Stillwater Federal Savings Bank in Stillwater, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 06, 1995

Stillwater Federal Savings Bank in Stillwater, Oklahoma (OK)
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Stillwater Federal Savings Bank - Overview

General
FDIC Certificate #: 28657
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Boatmen's National Bank of Oklahoma (#25270)
Federal Reserve ID: 128874
Date Established: January 01, 1920
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 2061
FDIC's unique #: 41491
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: October 06, 1938
Last Structure Change Effective Date: January 06, 1995
Last Structure Change Process Date: January 11, 1995
Last Data Update: January 11, 1995
Data Source Date: April 05, 2012
Location
Address: 601 S Husband, Stillwater, OK 74074
County: Payne
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Stillwater, OK (#44660)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $95.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$29Total assets
$95,513Cash and due from depository institutions
$6,196Interest-bearing balances
$5,578Securities
$18,367Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$68,225Loan loss allowance
$1,042Trading account assets
$0Bank premises and fixed assets
$450Other real estate owned
$0Goodwill and other intangibles
$2,275Life insurance assets
$0All other assets
$0Total liabilities and capital
$95,513Total liabilities
$88,260Total deposits
$87,226Interest-bearing deposits
$85,488Deposits held in domestic offices
87226.00%% insured (estimated)
$99Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$118Subordinated debt
$0All other liabilities
$916Total equity capital
$916Total bank equity capital
$7,253Perpetual preferred stock
$0Common stock
$4Surplus
$3,560Undivided profits
Memoranda
$3,689Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$154Income earned, not collected on loans
$418Earning assets
$92,170Long-term assets (5+ years)
$0Average Assets, year-to-date
$96,553Average Assets, quarterly
$95,915Volatile liabilities
$3,185Insider loans
$695FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$625Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$7,253Total risk weighted assets
$49,407Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$6,342Total interest expense
$3,479Net interest income
$2,863Provision for loan and lease losses
-$107Total noninterest income
$1,577Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$1,577Total noninterest expense
$3,242Salaries and employee benefits
$1,291Premises and equipment expense
$412Additional noninterest expense
$1,539Pre-tax net operating income
$1,305Securities gains (losses)
$0Applicable income taxes
$168Income before extraordinary items
$1,137Extraordinary gains - net
$0Net income attributable to bank
$1,137Net charge-offs
$185Cash dividends
$499Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.92%Cost of funding earning assets
3.80%Net interest margin
3.12%Noninterest income to earning assets
1.72%Noninterest expense to earning assets
3.54%Net operating income to assets
1.18%Return on assets (ROA)
1.18%Pretax return on assets
1.35%Return on equity (ROE)
15.63%Retained earnings to average equity (YTD only)
8.77%Net charge-offs to loans
0.26%Credit loss provision to net charge-offs
-57.84%Efficiency ratio
73,018Assets per employee
3.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
43.89%Loss allowance to loans
1.50%Loss allowance to noncurrent loans
676.62%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.22%Net loans and leases to deposits
78.22%Net loans and leases to core deposits
81.07%Equity capital to assets
7.59%Core capital (leverage) ratio
7.59%Tier 1 risk-based capital ratio
14.68%Total risk-based capital ratio
Memoranda
$16Average assets
$96,553Average earning assets
$7,274Average equity
$91,622Average loans

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