The Stillwater National Bank and Trust Company in Stillwater, Oklahoma (OK), TX
Overview, Financial Summary, Detailed Financial Reports, Branches


The Stillwater National Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 4201
    Status: Active
    Federal Reserve ID: 398350
    Bank Holding Company (Regulatory Top Holder): Southwest Bancorp, Inc. (RSSDID: 1062621, Location: Stillwater, OK)
    Date Established: June 16, 1894
    WWW: http://www.banksnb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 16 (Domestic: 16, Interstate: Yes)
    FDIC's unique #: 2754
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 28, 2006
    Last Structure Change Process Date: October 04, 2006
    Last Data Update: October 04, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 608 South Main Street, 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
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $2,039.2 mil
    Equity capital: $291.9 mil
    Deposits held in domestic offices: $1,673.8 mil
    Return on assets (ROA): -2.70% (-$55.1 mil)
    Quarterly return on assets: -10.57% (-$215.5 mil)
    Return on Equity (ROE): -18.22% (-$53.2 mil)
    Quarterly return on equity: -70.66% (-$206.3 mil)
    Net income: -$62.0 mil
    Quarterly Net income: -$56.6 mil
    Pretax return on assets: -4.42% (-$90,134.4 mil)
    Quarterly Pretax return on assets: -17.15% (-$349,729.5 mil)

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 372Total employees (full-time equivalent)
  • $2,039,239Total assets
  • $162,129Cash and due from depository institutions
  • $135,739Interest-bearing balances
  • $238,324Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,511,682Net loans & leases
  • $39,762Loan loss allowance
  • $0Trading account assets
  • $18,156Bank premises and fixed assets
  • $17,591Other real estate owned
  • $3,664Goodwill and other intangibles
  • $2,039,239Life insurance assets
  • $87,693All other assets
  • $1,747,375Total liabilities and capital
  • $1,673,765Total liabilities
  • $1,342,404Total deposits
  • $1,673,765Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 31482.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,997Trading liabilities
  • $15,000Other borrowed funds
  • $7,131Subordinated debt
  • $291,864All other liabilities
  • $291,864Total equity capital
  • $291,864Total bank equity capital
  • $0Perpetual preferred stock
  • $15,698Common stock
  • $137,597Surplus
  • $138,569Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $33,203Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,203Income earned, not collected on loans
  • $2Earning assets
  • $5,699Long-term assets (5+ years)
  • $1,885,745Average Assets, year-to-date
  • $306,833Average Assets, quarterly
  • $2,300,600Volatile liabilities
  • $2,141,730Insider loans
  • $1,694,620FHLB advances
  • $2,219,316Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $278,079Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $193,861Restructured Loans and leases
  • $2,264Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $105,871Total interest income
  • $17,287Total interest expense
  • $88,584Net interest income
  • $124,721Provision for loan and lease losses
  • -$8,667Total noninterest income
  • $0Fiduciary activities
  • $7,089Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$15,756Additional noninterest income
  • $56,775Total noninterest expense
  • $26,595Salaries and employee benefits
  • $7,984Premises and equipment expense
  • $22,196Additional noninterest expense
  • -$101,579Pre-tax net operating income
  • $0Securities gains (losses)
  • -$39,549Applicable income taxes
  • -$62,030Income before extraordinary items
  • $0Extraordinary gains - net
  • -$62,030Net income attributable to bank
  • $0Net charge-offs
  • -$62,030Cash dividends
  • $139,187Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.10%Net interest margin
  • -0.40%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • -2.70%Net operating income to assets
  • -2.70%Return on assets (ROA)
  • -4.42%Pretax return on assets
  • -18.22%Return on equity (ROE)
  • -18.22%Retained earnings to average equity (YTD only)
  • 7.20%Net charge-offs to loans
  • 89.61%Credit loss provision to net charge-offs
  • 0.17%Efficiency ratio
  • 70,831Assets per employee
  • 5.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.56%Loss allowance to noncurrent loans
  • 484.73%Noncurrent assets plus other real estate owned to assets
  • 1.26%Noncurrent loans to loans
  • 0.53%Net loans and leases to deposits
  • 90.32%Net loans and leases to core deposits
  • 97.90%Equity capital to assets
  • 14.31%Core capital (leverage) ratio
  • 12.53%Tier 1 risk-based capital ratio
  • 16.41%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $2,300,600Average earning assets
  • $340,514Average equity
  • $2,158,603Average loans

Total Fiduciary and Related Assets (December 31, 2009)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $12,989Managed Assets
  • 1Number of Accounts
  • $12,989Personal trust and agency accounts
  • $12,989Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 29Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 11 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02754The Stillwater National Bank And Tru608 South Main Street, Stillwater, OK 74074June 16, 1894Full Service Brick and Mortar
    1202379Convenience Bank308 South Main Street, Stillwater, OK 74074July 17, 1961Full Service Brick and Mortar
    2264823Tulsa 61st Branch2431 East 61st, Tulsa, OK 74136January 01, 1898Full Service Brick and Mortar
    3264831Chickasha Branch500 West Grand Avenue, Chickasha, OK 73018January 01, 1898Full Service Brick and Mortar
    4264832Waterford Branch6301 Waterford Boulevard, Suite 101, Oklahoma City, OK 73118January 01, 1898Full Service Brick and Mortar
    5264837Utica Branch1500 South Utica Avenue, Tulsa, OK 74152June 30, 1987Full Service Brick and Mortar
    6202380Electronic Banking DivisionBanksnb.Com, Stillwater, OK 74075November 01, 1996Full Service Cyber
    8419633Hall Of Fame BranchHall Of Fame & Monroe, Stillwater, OK 74074September 09, 2002Limited Service Facility
    14466704South Okc Branch8101s. Walker Avenue, Suite B, Oklahoma City, OK 73139Febuary 12, 2007Full Service Brick and Mortar
    15491869Edmond Branch1440 South Bryant Avenue, Edmond, OK 73034August 25, 2008Full Service Brick and Mortar
    16505880Snb At 19th & Sangre Branch1918 South Sangre Road, Stillwater, OK 74074September 01, 2009Full Service Brick and Mortar
  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    7366349Frisco Branch5300 Town And Country Boulevard, Ste. 100, Frisco, TX 75043January 24, 2003Full Service Brick and Mortar
    9428044Preston Center Branch5950 Berkshire Lane, Suite 350, Dallas, TX 75225April 14, 2004Full Service Brick and Mortar
    10440996Snb Bank Of Austin Branch3900 Capital Of Texas Hwy, Suite 100, Austin, TX 78746May 16, 2005Full Service Brick and Mortar
    1215594Mcmullen Bank BranchMain And Elm Streets, Tilden, TX 78072January 05, 1977Full Service Brick and Mortar
    1317510San Antonio Branch9324 Huebner Road, San Antonio, TX 78240June 11, 1984Full Service Brick and Mortar

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