The Stillwater National Bank and Trust Company in Stillwater, Oklahoma (OK), TX



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The Stillwater National Bank and Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)372
Total assets$2,039,239
Cash and due from depository institutions$162,129
Interest-bearing balances$135,739
Securities$238,324
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$1,511,682
Loan loss allowance $39,762
Trading account assets$0
Bank premises and fixed assets$18,156
Other real estate owned$17,591
Goodwill and other intangibles$3,664
All other assets$87,693
Life insurance assets$2,039,239
Total liabilities and capital$1,747,375
Total liabilities$1,673,765
Total deposits$1,342,404
Interest-bearing deposits$1,673,765
Deposits held in domestic offices$75
% insured (estimated)31482.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$19,997
Other borrowed funds $15,000
Subordinated debt $7,131
All other liabilities $291,864
Total equity capital$291,864
Total bank equity capital$291,864
Perpetual preferred stock$0
Common stock$15,698
Surplus$137,597
Undivided profits $138,569
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $33,203
Income earned, not collected on loans $8,203
Earning assets $2
Long-term assets (5+ years) $5,699
Average Assets, year-to-date $1,885,745
Average Assets, quarterly $306,833
Volatile liabilities $2,300,600
Insider loans $2,141,730
FHLB advances $1,694,620
Loans and leases held for sale $2,219,316
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $278,079
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $193,861
Derivatives$2,264
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $105,871
Total interest expense $17,287
Net interest income $88,584
Provision for loan and lease losses $124,721
Total noninterest income -$8,667
Fiduciary activities $0
Service charges on deposit accounts $7,089
Trading account gains & fees $0
Additional noninterest income -$15,756
Total noninterest expense $56,775
Salaries and employee benefits $26,595
Premises and equipment expense $7,984
Additional noninterest expense $22,196
Pre-tax net operating income -$101,579
Securities gains (losses) $0
Applicable income taxes -$39,549
Income before extraordinary items -$62,030
Extraordinary gains - net $0
Net income attributable to bank -$62,030
Net charge-offs $0
Cash dividends -$62,030
Sale, conversion, retirement of capital stock, net $139,187
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.90%
Cost of funding earning assets 0.80%
Net interest margin 4.10%
Noninterest income to earning assets -0.40%
Noninterest expense to earning assets 2.63%
Net operating income to assets -2.70%
Return on assets (ROA) -2.70%
Pretax return on assets -4.42%
Return on equity (ROE) -18.22%
Retained earnings to average equity (YTD only) -18.22%
Net charge-offs to loans 7.20%
Credit loss provision to net charge-offs 89.61%
Efficiency ratio0.17%
Assets per employee$70,831
Cash dividends to net income (YTD only)5.48%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.56%
Noncurrent assets plus other real estate owned to assets 484.73%
Noncurrent loans to loans 1.26%
Net loans and leases to deposits0.53%
Net loans and leases to core deposits 90.32%
Equity capital to assets 97.90%
Core capital (leverage) ratio 14.31%
Tier 1 risk-based capital ratio 12.53%
Total risk-based capital ratio 16.41%
Memoranda
Average assets$19
Average earning assets$2,300,600
Average equity $340,514
Average loans $2,158,603
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Total Fiduciary and Related Assets (December 31, 2009)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$12,989
Number of Accounts1
Personal trust and agency accounts$12,989
Employee benefit-defined contribution accounts$12,989
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts29
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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
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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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