0001193125-12-212090.txt : 20120504 0001193125-12-212090.hdr.sgml : 20120504 20120504163607 ACCESSION NUMBER: 0001193125-12-212090 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 11 CONFORMED PERIOD OF REPORT: 20120331 FILED AS OF DATE: 20120504 DATE AS OF CHANGE: 20120504 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SOUTHWEST BANCORP INC CENTRAL INDEX KEY: 0000914374 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 731136584 STATE OF INCORPORATION: OK FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 001-34110 FILM NUMBER: 12814821 BUSINESS ADDRESS: STREET 1: 608 SOUTH MAIN STREET CITY: STILLWATER STATE: OK ZIP: 74074 BUSINESS PHONE: 4053722230 MAIL ADDRESS: STREET 1: 608 SOUTH MAIN STREET CITY: STILLWATER STATE: OK ZIP: 74074 10-Q 1 d341800d10q.htm FORM 10-Q Form 10-Q
Table of Contents

 

 

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

FORM 10-Q

 

 

 

x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2012

OR

 

¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from                    to                    

Commission File Number: 001-34110

 

 

SOUTHWEST BANCORP, INC.

(Exact name of registrant as specified in its charter)

 

 

 

Oklahoma   73-1136584

(State or other jurisdiction of

incorporation or organization)

 

(I.R.S. Employer

Identification Number)

608 South Main Street

Stillwater, Oklahoma

(Address of principal executive office)

 

74074

(Zip Code)

Registrant’s telephone number, including area code: (405) 742-1800

 

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    x  YES    ¨  NO

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    x  YES    ¨  NO

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See definition of “accelerated filer”, “large accelerated filer”, and “smaller reporting company” in Rule 12b-2 of the Exchange Act.

 

Large Accelerated Filer   ¨    Accelerated Filer   x
Non-Accelerated Filer   ¨    Smaller reporting company   ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    ¨  YES    x  NO

APPLICABLE ONLY TO CORPORATE ISSUERS: Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.

19,446,800 (5/04/12)

 

 

 


Table of Contents

SOUTHWEST BANCORP, INC.

INDEX TO FORM 10-Q

 

PART I. FINANCIAL INFORMATION

  

ITEM 1. CONSOLIDATED FINANCIAL STATEMENTS

  

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

     3   

UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS

     4   

UNAUDITED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

     5   

UNAUDITED CONSOLIDATED STATEMENT OF CASH FLOWS

     6   

UNAUDITED CONSOLIDATED STATEMENTS OF SHAREHODERS ’ EQUITY

     7   

NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS

     8   

ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITIONS AND RESULTS OF OPERATIONS

     26   

ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

     37   

ITEM 4. CONTROLS AND PROCEDURES

     38   

PART II: OTHER INFORMATION

     39   

SIGNATURES

     40   

 

2


Table of Contents

SOUTHWEST BANCORP, INC.

Unaudited Consolidated Statements of Financial Condition

 

(Dollars in thousands)

   March 31,
2012
    December 31,
2011
 

Assets:

    

Cash and due from banks

   $ 24,458      $ 30,247   

Interest-bearing deposits

     167,005        199,642   
  

 

 

   

 

 

 

Cash and cash equivalents

     191,463        229,889   

Securities held to maturity (fair values of $13,564 and $15,885, respectively)

     12,981        15,252   

Securities available for sale (amortized cost $314,534 and $253,869, respectively)

     320,879        260,100   

Loans held for sale

     38,765        38,695   

Noncovered loans receivable

     1,570,866        1,687,178   

Less: Allowance for loan losses

     (45,023     (44,233
  

 

 

   

 

 

 

Net noncovered loans

     1,525,843        1,642,945   

Covered loans receivable (includes loss share of $8,638 and $10,073, respectively)

     33,314        37,615   

Less: Allowance for loan losses

     (60     (451
  

 

 

   

 

 

 

Net covered loans receivable

     33,254        37,164   

Net loans receivable

     1,559,097        1,680,109   

Accrued interest receivable

     7,408        7,176   

Income tax receivable

     24,544        28,666   

Premises and equipment, net

     22,587        22,700   

Noncovered other real estate

     19,329        19,844   

Covered other real estate

     4,694        4,529   

Goodwill

     6,811        6,811   

Other intangible assets, net

     4,858        4,857   

Other assets

     60,445        64,245   
  

 

 

   

 

 

 

Total assets

   $ 2,273,861      $ 2,382,873   
  

 

 

   

 

 

 

Liabilities:

    

Deposits:

    

Noninterest-bearing demand

   $ 395,141      $ 400,985   

Interest-bearing demand

     119,759        105,905   

Money market accounts

     349,419        423,181   

Savings accounts

     34,679        33,406   

Time deposits of $100,000 or more

     464,876        487,907   

Other time deposits

     442,906        469,998   
  

 

 

   

 

 

 

Total deposits

     1,806,780        1,921,382   

Accrued interest payable

     5,016        3,689   

Other liabilities

     13,320        12,174   

Other borrowings

     55,139        56,479   

Subordinated debentures

     81,963        81,963   
  

 

 

   

 

 

 

Total liabilities

     1,962,218        2,075,687   

Shareholders’ equity:

    

Serial preferred stock - $1,000 par value; 2,000,000 shares authorized; 70,000 shares issued and outstanding

     68,644        68,455   

Common stock - $1 par value; 40,000,000 shares authorized; 19,445,913 and 19,444,213 shares issued and outstanding, respectively

     19,446        19,444   

Paid in capital

     98,895        98,932   

Retained earnings

     122,362        118,244   

Accumulated other comprehensive income

     2,296        2,111   
  

 

 

   

 

 

 

Total shareholders’ equity

     311,643        307,186   
  

 

 

   

 

 

 

Total liabilities & shareholders’ equity

   $ 2,273,861      $ 2,382,873   
  

 

 

   

 

 

 

The accompanying notes are an integral part of this statement.

 

3


Table of Contents

SOUTHWEST BANCORP, INC.

Unaudited Consolidated Statements of Operations

 

     For the three months
ended March 31,
 

(Dollars in thousands, except earnings per share data)

   2012      2011  

Interest income:

     

Interest and fees on loans

   $ 23,377       $ 30,539   

Investment securities:

     

U.S. Government and agency obligations

     393         376   

Mortgage-backed securities

     1,319         1,245   

State and political subdivisions

     212         80   

Other securities

     22         45   

Other interest-earning assets

     184         140   
  

 

 

    

 

 

 

Total interest income

     25,507         32,425   

Interest expense:

     

Interest-bearing demand

     70         124   

Money market accounts

     286         677   

Savings accounts

     13         16   

Time deposits of $100,000 or more

     1,320         2,349   

Other time deposits

     1,207         1,967   

Other borrowings

     224         497   

Subordinated debentures

     1,538         1,374   
  

 

 

    

 

 

 

Total interest expense

     4,658         7,004   
  

 

 

    

 

 

 

Net interest income

     20,849         25,421   

Provision for loan losses

     1,716         9,050   
  

 

 

    

 

 

 

Net interest income after provision for loan losses

     19,133         16,371   
  

 

 

    

 

 

 

Noninterest income:

     

Service charges and fees

     2,927         2,878   

Other noninterest income

     52         177   

Gain on sales of loans, net

     535         194   
  

 

 

    

 

 

 

Total noninterest income

     3,514         3,249   

Noninterest expense:

     

Salaries and employee benefits

     7,247         7,515   

Occupancy

     2,545         2,804   

FDIC and other insurance

     783         1,243   

Other real estate, net

     372         436   

General and administrative

     3,362         3,627   
  

 

 

    

 

 

 

Total noninterest expense

     14,309         15,625   
  

 

 

    

 

 

 

Income before taxes

     8,338         3,995   

Taxes on income

     3,127         1,534   
  

 

 

    

 

 

 

Net income

   $ 5,211       $ 2,461   
  

 

 

    

 

 

 

Net income available to common shareholders

   $ 4,119       $ 1,408   
  

 

 

    

 

 

 

Basic earnings per common share

   $ 0.21       $ 0.07   

Diluted earnings per common share

     0.21         0.07   

Cash dividends declared per share

     —           —     
  

 

 

    

 

 

 

The accompanying notes are an integral part of this statement.

 

4


Table of Contents

SOUTHWEST BANCORP, INC.

Unaudited Consolidated Statements of Comprehensive Income

 

     For the three months
ended March 31,
 

(Dollars in thousands)

   2012     2011  

Net income

   $ 5,211      $ 2,461   

Other comprehensive income:

    

Unrealized holding gain on available for sale securities

     114        266   

Change in fair value of derivative used for cash flow hedge

     225        (513
  

 

 

   

 

 

 

Other comprehensive income (loss), before tax

     339        (247

Tax (expense) benefit related to items of other comprehensive income

     (154     84   
  

 

 

   

 

 

 

Other comprehensive income (loss), net of tax

     185        (163
  

 

 

   

 

 

 

Comprehensive income

   $ 5,396      $ 2,298   
  

 

 

   

 

 

 

The accompanying notes are an integral part of this statement.

 

5


Table of Contents

SOUTHWEST BANCORP, INC.

Unaudited Consolidated Statement of Cash Flows

 

    

For the three months

ended March 31,

 

(Dollars in thousands)

   2012     2011  

Operating activities:

    

Net income

   $ 5,211      $ 2,461   

Adjustments to reconcile net income to net cash provided by operating activities:

    

Provision for loan losses

     1,716        9,050   

Deferred tax expense

     3,050        1,155   

Asset depreciation

     597        689   

Securities premium amortization, net of discount accretion

     656        632   

Amortization of intangibles

     296        360   

Stock based compensation expense

     26        103   

Net gain on sales of available for sale loans

     (535     (194

Net loss on sales of premises/equipment

     —          16   

Net loss (gain) on sales of other real estate

     (100     146   

Proceeds from sales of held for sale loans

     28,223        12,457   

Held for sale loans originated for resale

     (27,916     (12,173

Net changes in assets and liabilities:

    

Accrued interest receivable

     (232     (199

Other assets

     276        711   

Income taxes receivable / payable

     4,073        509   

Excess tax expense from share-based payment arrangements

     49        123   

Accrued interest payable

     1,327        228   

Other liabilities

     373        (942
  

 

 

   

 

 

 

Net cash provided by operating activities

     17,090        15,132   
  

 

 

   

 

 

 

Investing activities:

    

Proceeds from principal repayments, calls and maturities:

    

Held to maturity securities

     2,250        1,250   

Available for sale securities

     15,426        18,945   

Purchases of other investments

     (3     (14

Purchases of available for sale securities

     (76,726     (16,472

Principal repayments, net of loans originated

     118,464        74,562   

Purchases of premises and equipment

     (575     (507

Proceeds from sales of premises and equipment

     91        31   

Proceeds from sales of other real estate

     1,535        1,537   
  

 

 

   

 

 

 

Net cash provided by investing activities

     60,462        79,332   
  

 

 

   

 

 

 

Financing activities:

    

Net decrease in deposits

     (114,602     (34,157

Net decrease in other borrowings

     (1,340     (9,270

Net proceeds from issuance of common stock

     14        29   

Excess tax expense from share-based payment arrangements

     (49     (123

Preferred stock dividends paid

     (1     (876
  

 

 

   

 

 

 

Net cash used in financing activities

     (115,978     (44,397
  

 

 

   

 

 

 

Net (decrease) increase in cash and cash equivalents

     (38,426     50,067   

Cash and cash equivalents:

    

Beginning of period

     229,889        67,496   
  

 

 

   

 

 

 

End of period

   $ 191,463      $ 117,563   
  

 

 

   

 

 

 

The accompanying notes are an integral part of this statement.

 

6


Table of Contents

SOUTHWEST BANCORP, INC.

Unaudited Consolidated Statements of Shareholders’ Equity

 

(Dollars in thousands)

   Preferred
Stock
            Additional
Paid in
Capital
    Retained
Earnings
    Accumulated
Other
Comprehensive
Income
    Total
Shareholders’
Equity
 
      Common Stock           
      Shares      Amount           

Balance, December 31, 2010

   $ 67,724         19,421,900       $ 19,422       $ 98,894      $ 190,793      $ 979      $ 377,812   

Dividends (paid and /or accrued):

                 

Preferred

     —           —           —           —          (876     —          (876

Warrant amortization

     178         —           —           —          (178     —          —     

Common stock issued

     —           15,400         15         210        —          —          225   

Net common stock issued under employee plans and related tax expense

     —           990         1         (110     —          —          (109

Other comprehensive loss, net of tax

     —           —           —           —          —          (163     (163

Net income

     —           —           —           —          2,461        —          2,461   
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

   

 

 

   

 

 

 

Balance, March 31, 2011

   $ 67,902         19,438,290       $ 19,438       $ 98,994      $ 192,200      $ 816      $ 379,350   
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

   

 

 

   

 

 

 

Balance, December 31, 2011

   $ 68,455         19,444,213       $ 19,444       $ 98,932      $ 118,244      $ 2,111      $ 307,186   

Dividends (paid and /or accrued):

                 

Preferred

     —           —           —           —          (904     —          (904

Warrant amortization

     189         —           —           —          (189     —          —     

Net common stock issued under employee plans and related tax expense

     —           1,700         2         (37     —          —          (35

Other comprehensive income, net of tax

     —           —           —           —          —          185        185   

Net income

     —           —           —           —          5,211        —          5,211   
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

   

 

 

   

 

 

 

Balance, March 31, 2012

   $ 68,644         19,445,913       $ 19,446       $ 98,895      $ 122,362      $ 2,296      $ 311,643   
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

   

 

 

   

 

 

 

The accompanying notes are an integral part of this statement.

 

7


Table of Contents

SOUTHWEST BANCORP, INC.

Notes to Unaudited Consolidated Financial Statements

NOTE 1: SIGNIFICANT ACCOUNTING AND REPORTING POLICIES

The accompanying unaudited consolidated financial statements were prepared in accordance with instructions for Form 10-Q and, therefore, do not include all information and notes necessary for a complete presentation of financial position, results of operations, shareholders’ equity, cash flows, and comprehensive income in conformity with accounting principles generally accepted in the United States. However, the unaudited consolidated financial statements include all adjustments which, in the opinion of management, are necessary for a fair presentation. Those adjustments consist of normal recurring adjustments. The results of operations for the three months ended March 31, 2012, and the cash flows for the three months ended March 31, 2012, should not be considered indicative of the results to be expected for the full year. These unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Southwest Bancorp, Inc. Annual Report on Form 10-K for the year ended December 31, 2011.

The accompanying unaudited consolidated financial statements include the accounts of Southwest Bancorp, Inc. (“Southwest”), its wholly owned financial institution subsidiaries, Stillwater National Bank and Trust Company (“Stillwater National”) and Bank of Kansas, and SNB Capital Corporation, a lending and loan workout subsidiary. All significant intercompany transactions and balances have been eliminated in consolidation.

In accordance with Accounting Standards Codification (“ASC”) 855, Subsequent Events, Southwest has evaluated subsequent events for potential recognition and disclosure through the date the consolidated financial statements included in this Quarterly Report on Form 10-Q were issued.

NOTE 2: INVESTMENT SECURITIES

A summary of the amortized cost and fair values of investment securities at March 31, 2012 and December 31, 2011 follows:

 

(Dollars in thousands)

   Amortized
Cost
     Gross Unrealized     Fair Value  
      Gains      Losses    

At March 31, 2012:

          

Held to Maturity:

          

Obligations of state and political subdivisions

   $ 12,981       $ 583       $ —        $ 13,564   
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

   $ 12,981       $ 583       $ —        $ 13,564   
  

 

 

    

 

 

    

 

 

   

 

 

 

Available for Sale:

          

Federal agency securities

   $ 76,085       $ 877       $ (178   $ 76,784   

Obligations of state and political subdivisions

     23,213         330         (149     23,394   

Residential mortgage-backed securities

     214,167         5,135         (161     219,141   

Equity securities

     1,069         491         —          1,560   
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

   $ 314,534       $ 6,833       $ (488   $ 320,879   
  

 

 

    

 

 

    

 

 

   

 

 

 

At December 31, 2011:

          

Held to Maturity:

          

Obligations of state and political subdivisions

   $ 15,252       $ 633       $ —        $ 15,885   
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

   $ 15,252       $ 633       $ —        $ 15,885   
  

 

 

    

 

 

    

 

 

   

 

 

 

Available for Sale:

          

Federal agency securities

   $ 64,524       $ 1,051       $ (22   $ 65,553   

Obligations of state and political subdivisions

     10,926         196         (19     11,103   

Residential mortgage-backed securities

     177,365         4,889         (107     182,147   

Equity securities

     1,054         243         —          1,297   
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

   $ 253,869       $ 6,379       $ (148   $ 260,100   
  

 

 

    

 

 

    

 

 

   

 

 

 

Residential mortgage-backed securities consist of agency securities underwritten and guaranteed by Government National Mortgage Association (“Ginnie Mae”), Federal Home Loan Mortgage Corporation (“Freddie Mac”), and Federal National Mortgage Association (“Fannie Mae”).

 

8


Table of Contents

Securities with limited marketability, such as Federal Reserve Bank stock, Federal Home Loan Bank stock, and certain other investments, are carried at cost and included in other assets on the unaudited consolidated statement of financial condition. Total investments carried at cost were $10.5 million at both March 31, 2012 and December 31, 2011. There are no identified events or changes in circumstances that may have a significant adverse effect on these investments carried at cost.

A comparison of the amortized cost and approximate fair value of Southwest’s investment securities by maturity date at March 31, 2012 follows:

 

     Available for Sale      Held to Maturity  

(Dollars in thousands)

   Amortized
Cost
     Fair
Value
     Amortized
Cost
     Fair
Value
 

One year or less

   $ 13,134       $ 13,366       $ 1,129       $ 1,137   

More than one year through five years

     192,418         197,622         1,948         1,989   

More than five years through ten years

     89,000         89,614         6,443         6,698   

More than ten years

     19,982         20,277         3,461         3,740   
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 314,534       $ 320,879       $ 12,981       $ 13,564   
  

 

 

    

 

 

    

 

 

    

 

 

 

The foregoing analysis assumes that Southwest’s residential mortgage-backed securities mature during the period in which they are estimated to prepay. No other prepayment or repricing assumptions have been applied to Southwest’s investment securities for this analysis.

Gain or loss on sale of investments is based upon the specific identification method. There were no sales of investment securities for the three months ended March 31, 2012 or March 31, 2011.

The following table presents securities with gross unrealized losses and their fair values by the length of time that the individual securities had been in a continuous unrealized loss position at March 31, 2012 and December 31, 2011. Securities whose market values exceed cost are excluded from this table.

 

(Dollars in thousands)

   Number  of
Securities
     Amortized cost  of
securities with
unrealized losses
     Continuous Unrealized
Loss Existing for:
     Fair value  of
securities with
unrealized losses
 
         Less Than
12  Months
    More Than
12 Months
    

At March 31, 2012:

             

Available for Sale:

             

Federal agency securities

     11       $ 21,888       $ (178   $ —         $ 21,710   

Obligations of state and political subdivisions

     5         7,435         (149     —           7,286   

Residential mortgage-backed securities

     18         30,096         (161     —           29,935   
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

 

Total

     34       $ 59,419       $ (488   $ —         $ 58,931   
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

 
At December 31, 2011:              

Available for Sale:

             

Federal agency securities

     3       $ 5,461       $ (22   $ —         $ 5,439   

Obligations of state and political subdivisions

     3         3,853         (19     —           3,834   

Residential mortgage-backed securities

     22         19,666         (107     —           19,558   
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

 

Total

     28       $ 28,980       $ (148   $ —         $ 28,831   
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

 

Southwest evaluates all securities on an individual basis for other-than-temporary impairment on at least a quarterly basis. Consideration is given to the length of time and the extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of Southwest to retain its investment in the issuer for a period of time sufficient to allow for an anticipated recovery in fair value.

Management has the ability and intent to hold the securities classified as held to maturity in the table above until they mature, at which time Southwest expects to receive full value for the securities. Furthermore, as of March 31, 2012, management does not have the intent to sell any of the securities classified as available for sale in the table above and believes that it is not more likely than not that Southwest will have to sell any such securities before a recovery of cost. The declines in fair value were attributable to increases in market interest rates over the yields available at the time the underlying securities were purchased or increases in spreads over market interest rates. Management does not believe any of the securities are impaired due to credit quality. Accordingly, as of March 31, 2012, management believes the impairment of these investments is not deemed to be other-than-temporary.

 

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As required by law, available for sale investment securities are pledged to secure public and trust deposits, sweep agreements, and borrowings from the FHLB. Securities with an amortized cost of $254.6 million and $212.3 million were pledged to meet such requirements at March 31, 2012 and December 31, 2011, respectively. Any amount over-pledged can be released at any time.

NOTE 3: LOANS AND ALLOWANCE FOR LOAN LOSSES

Southwest extends commercial and consumer credit primarily to customers in the states of Oklahoma, Texas, and Kansas. Its commercial lending operations are concentrated in Oklahoma City, Dallas, Tulsa, and other metropolitan markets in Texas, Kansas, and Oklahoma. As a result, the collectability of Southwest’s loan portfolio can be affected by changes in the economic conditions in those states and markets. Please see Note 8: Operating Segments for more detail regarding loans by market. At March 31, 2012 and December 31, 2011, substantially all of Southwest’s loans were collateralized with real estate, inventory, accounts receivable, and/or other assets or were guaranteed by agencies of the United States government.

Southwest’s loan classifications were as follows:

 

     March 31, 2012     December 31, 2011  

(Dollars in thousands)

   Noncovered     Covered     Noncovered     Covered  

Real estate mortgage:

        

Commercial

   $ 996,486      $ 22,607      $ 1,028,561      $ 23,686   

One-to-four family residential

     76,287        5,766        80,375        7,072   

Real estate construction:

        

Commercial

     222,678        2,344        227,098        3,746   

One-to-four family residential

     3,814        —          4,987        —     

Commercial

     273,324        2,401        346,266        2,841   

Installment and consumer:

        

Guaranteed student loans

     5,276        —          5,396        —     

Other

     31,766        196        33,190        270   
  

 

 

   

 

 

   

 

 

   

 

 

 
     1,609,631        33,314        1,725,873        37,615   

Less: Allowance for loan losses

     (45,023     (60     (44,233     (451
  

 

 

   

 

 

   

 

 

   

 

 

 

Total loans, net

   $ 1,564,608      $ 33,254      $ 1,681,640      $ 37,164   
  

 

 

   

 

 

   

 

 

   

 

 

 

Concentrations of Credit. At March 31, 2012, approximately $562.5 million, or 35%, of Southwest’s noncovered loans consisted of loans to individuals and businesses in the healthcare industry. Southwest does not have any other concentrations of loans to individuals or businesses involved in a single industry totaling 10% or more of total loans.

Loans Held for Sale. Southwest had loans which were held for sale of $38.8 million and $38.7 million at March 31, 2012 and December 31, 2011, respectively. These loans are carried at the lower of cost or market value. Guaranteed student loans are generally sold to a single servicer. A substantial portion of the one-to-four family residential loans and loan servicing rights are primarily sold to one investor. These mortgage loans are generally sold within a one-month period from loan closing at amounts determined by the investor commitment based upon the pricing of the loan. Southwest also provides United States Department of Agriculture (“USDA”) government guaranteed commercial real estate lending services to rural healthcare providers. These loans are available for sale in the secondary market.

Loan Servicing. Southwest earns fees for servicing real estate mortgages and other loans owned by others. The fees are generally calculated on the outstanding principal balance of the loans serviced and are recorded as noninterest income when earned. The unpaid principal balance of real estate mortgage loans serviced for others totaled $301.4 million and $281.3 million at March 31, 2012 and March 31, 2011, respectively. Loan servicing rights are capitalized based on estimated fair value at the point of origination. The servicing rights are amortized on an individual loan by loan basis over the period of estimated net servicing income.

Acquired Loans. On June 19, 2009, Bank of Kansas entered into a purchase and assumption agreement with the Federal Deposit Insurance Corporation (“FDIC”) to acquire substantially all loans as well as certain other related assets of First National Bank of Anthony, Anthony, Kansas (“FNBA”) in an FDIC-assisted transaction. Bank of Kansas and the FDIC entered into loss sharing agreements that provide Bank of Kansas with significant protection against credit losses from loans and related assets acquired in the transaction. Under these agreements, the FDIC will reimburse Bank of Kansas for 80% of net losses up to $35.0 million on covered assets, primarily acquired loans and other real estate, and for 95% of any net losses above $35.0 million. Bank of Kansas services the covered assets.

 

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Loans covered under the loss sharing agreements with the FDIC, including the amounts of expected reimbursements from the FDIC under these agreements, are reported in loans and are referred to as “covered” loans. Covered loans were initially recorded at fair value (as determined by the present value of expected future cash flows) with no allowance for loan losses. Subsequent decreases in expected cash flows are recognized as impairments. Valuation allowances on these impaired loans reflect only losses incurred after the acquisition.

The expected payments from the FDIC under the loss sharing agreements are recorded as part of the covered loans in the Unaudited Consolidated Statement of Financial Condition. As of March 31, 2012, Bank of Kansas has identified $19.4 million in cumulative net losses that have been submitted to the FDIC under such loss sharing agreements.

Changes in the carrying amounts and accretable yields for ASC 310.30 loans were as follows for the three months ended March 31, 2012 and March 31, 2011.

 

     For the three months ended March 31,  
     2012     2011  

(Dollars in thousands)

   Accretable
Yield
    Carrying
amount
of loans
    Accretable
Yield
    Carrying
amount
of loans
 

Balance at beginning of period

   $ 2,402      $ 37,615      $ 2,688      $ 53,628   

Payments received

     —          (3,291     —          (3,196

Transfers to other real estate / repossessed assets

     9        (990     4        (1,008

Charge-offs

     (4     (73     7        (362

Net reclassifications to / from nonaccretable amount

     (271     —          —          —     

Amortization

     (218     53        (55     55   
  

 

 

   

 

 

   

 

 

   

 

 

 

Balance at end of period

   $ 1,918      $ 33,314      $ 2,644      $ 49,117   
  

 

 

   

 

 

   

 

 

   

 

 

 

Nonperforming / Past Due Loans. Southwest identifies past due loans based on contractual terms on a loan by loan basis and generally places loans, except for consumer loans, on nonaccrual when any portion of the principal or interest is ninety days past due and collateral is insufficient to discharge the debt in full. Interest accrual may also be discontinued earlier if, in management’s opinion, collection is unlikely. Generally, consumer installment loans are not placed on nonaccrual but are charged-off when they are four months past due. Accrued interest is written off when a loan is placed on nonaccrual status. Subsequent interest income is recorded when cash receipts are received from the borrower and collectability of the principal amount is reasonably assured.

Under generally accepted accounting principles and instructions to reports of condition and income of federal banking regulators, a nonaccrual loan may be returned to accrual status: when none of its principal and interest is due and unpaid, repayment is expected, and there has been a sustained period (at least six months) of repayment performance; when the loan is not brought current, but there is a sustained period of performance and repayment within a reasonable period is reasonably assured; or when the loan otherwise becomes well-secured and in the process of collection. Purchased impaired loans also may be returned to accrual status without becoming fully current. Loans that have been restructured because of weakened financial positions of the borrowers also may be returned to accrual status if repayment is reasonably assured under the revised terms and there has been a sustained period of repayment performance.

Management strives to carefully monitor credit quality and to identify loans that may become nonperforming. At any time, however, there are loans included in the portfolio that will result in losses to Southwest but that have not been identified as nonperforming or potential problem loans. Because the loan portfolio contains a significant number of commercial and commercial real estate loans with relatively large balances, the unexpected deterioration of one or a few such loans may cause a significant increase in nonperforming assets and may lead to a material increase in charge-offs and the provision for loan losses in future periods.

 

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Table of Contents

The following table presents the recorded investment in loans on nonaccrual status.

 

     At March 31, 2012      At December 31, 2011  

(Dollars in thousands)

   Noncovered      Covered      Noncovered      Covered  

Real estate mortgage:

           

Commercial

   $ 6,821       $ 4,870       $ 4,667       $ 3,554   

One-to-four family residential

     1,508         151         1,468         188   

Real estate construction:

           

Commercial

     3,768         1,647         3,877         3,009   

Commercial

     2,109         343         3,371         370   

Other consumer

     118         4         123         7   
  

 

 

    

 

 

    

 

 

    

 

 

 

Total nonaccrual loans

   $ 14,324       $ 7,015       $ 13,506       $ 7,128   
  

 

 

    

 

 

    

 

 

    

 

 

 

During the first three months of 2012, $51,000 of interest income was received on nonaccruing loans. If interest on all nonaccrual loans had been accrued for the three months ended March 31, 2012, additional interest income of $0.3 million would have been recorded.

Cumulative charge-offs against noncovered nonaccrual loans at March 31, 2012 and December 31, 2011 were $14.9 million and $13.6 million, respectively.

As of March 31, 2012 and December 31, 2011, included in noncovered nonaccrual loans are five collateral dependent lending relationships with aggregate principal balances of approximately $9.6 million and $9.3 million, respectively, and related impairment reserves of $0.6 million and $0.4 million, respectively, which were established either based on recent appraisal values obtained for the respective properties or the discounted present value of expected cash flows using the loan’s initial effective interest rate. Four of these lending relationships are secured by commercial real estate and include a retail building project with one loan outstanding, three commercial building lending relationships, two with one loan outstanding and the other with three loans outstanding, and a commercial relationship with one loan outstanding.

The following table presents an age analysis of past due loans at March 31, 2012 and December 31, 2011.

 

(Dollars in thousands)

   30-89 days
past due
     90 days  and
greater
past due
     Total past
due
     Current      Total
loans
     Recorded loans
> 90 days and
accruing
 

At March 31, 2012

                 

Noncovered:

                 

Real estate mortgage:

                 

Commercial

   $ 6,455       $ 6,821       $ 13,276       $ 983,210       $ 996,486       $ —     

One-to-four family residential

     326         1,508         1,834         74,453         76,287         —     

Real estate construction:

                 

Commercial

     1,346         3,768         5,114         217,564         222,678         —     

One-to-four family residential

     —           —           —           3,814         3,814         —     

Commercial

     12,512         2,209         14,721         258,603         273,324         100   

Other

     426         118         544         36,498         37,042         —     
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total - noncovered

     21,065         14,424         35,489         1,574,142         1,609,631         100   

Covered:

                 

Real estate mortgage:

                 

Commercial

     —           4,870         4,870         17,737         22,607         —     

One-to-four family residential

     43         151         194         5,572         5,766         —     

Real estate construction:

                 

Commercial

     —           1,647         1,647         697         2,344         —     

Commercial

     —           343         343         2,058         2,401         —     

Other

     —           4         4         192         196         —     
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total - covered

     43         7,015         7,058         26,256         33,314         —     
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 21,108       $ 21,439       $ 42,547       $ 1,600,398       $ 1,642,945       $ 100   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

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Table of Contents

(Dollars in thousands)

   30-89 days
past due
     Greater
than 90 days
past due
     Total past
due
     Current      Total
loans
     Recorded loans
> 90 days and
accruing
 
At December 31, 2011                  

Noncovered:

                 

Real estate mortgage:

                 

Commercial

   $ 2,567       $ 4,667       $ 7,234       $ 1,021,327       $ 1,028,561       $ —     

One-to-four family residential

     1,206         1,491         2,697         77,678         80,375         23   

Real estate construction:

                 

Commercial

     1,825         3,877         5,702         221,396         227,098         —     

One-to-four family residential

     —           —           —           4,987         4,987         —     

Commercial

     8,331         3,374         11,705         334,561         346,266         3   

Other

     362         140         502         38,084         38,586         17   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total - noncovered

     14,291         13,549         27,840         1,698,033         1,725,873         43   

Covered:

                 

Real estate mortgage:

                 

Commercial real estate

     2,243         3,554         5,797         17,889         23,686         —     

One-to-four family residential

     —           188         188         6,884         7,072         —     

Real estate construction

                 

Commercial real estate

     —           3,009         3,009         737         3,746         —     

Commercial

     —           370         370         2,471         2,841         —     

Other

     —           7         7         263         270         —     
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total - covered

     2,243         7,128         9,371         28,244         37,615         —     
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 16,534       $ 20,677       $ 37,211       $ 1,726,277       $ 1,763,488       $ 43   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Impaired Loans. A loan is considered to be impaired when, based on current information and events, it is probable that Southwest will be unable to collect all amounts due according to the contractual terms of the loan agreement. Each loan deemed to be impaired (all loans on nonaccrual status and troubled debt restructurings) is evaluated on an individual basis using the discounted present value of expected cash flows using the loan’s initial effective interest rate, the fair value of collateral, or the market value of the loan, and a specific allowance is recorded. Smaller balance, homogeneous loans, including mortgage, student, and consumer, are collectively evaluated for impairment.

Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis. Impaired loans or portions thereof, are charged-off when deemed uncollectible.

Impaired loans are presented in the following tables:

 

     With No Specific Allowance      With A Specific Allowance  

(Dollars in thousands)

   Recorded
Investment
     Unpaid
Principal
Balance
     Recorded
Investment
     Unpaid
Principal
Balance
     Related
Allowance
 
At March 31, 2012               

Noncovered:

              

Commercial real estate

   $ 16,939       $ 17,104       $ 17,917       $ 19,609       $ 4,240   

One-to-four family residential

     304         388         1,169         1,300         40   

Real estate construction

     12,380         15,979         244         260         75   

Commercial

     640         865         2,672         5,486         824   

Other

     10         11         108         120         108   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total noncovered

   $ 30,273       $ 34,347       $ 22,110       $ 26,775       $ 5,287   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Covered:

              

Commercial real estate

   $ 4,256       $ 4,868       $ 614       $ 702       $ 18   

One-to-four family residential

     115         174         36         105         1   

Real estate construction

     135         309         1,512         2,106         35   

Commercial

     311         1,890         32         345         6   

Other

     4         8         —           —           —     
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total covered

   $ 4,821       $ 7,249       $ 2,194       $ 3,258       $ 60   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

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Table of Contents
     With No Specific Allowance      With A Specific Allowance  

(Dollars in thousands)

   Recorded
Investment
     Unpaid
Principal
Balance
     Recorded
Investment
     Unpaid
Principal
Balance
     Related
Allowance
 
At December 31, 2011               

Noncovered:

              

Commercial real estate

   $ 17,985       $ 18,142       $ 3,716       $ 5,366       $ 411   

One-to-four family residential

     984         1,130         484         611         21   

Real estate construction

     11,735         15,244         248         262         73   

Commercial

     7,283         7,710         3,207         4,958         349   

Other

     11         12         112         123         112   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total noncovered

   $ 37,998       $ 42,238       $ 7,767       $ 11,320       $ 966   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Covered:

              

Commercial real estate

   $ 2,486       $ 2,670       $ 1,068       $ 1,271       $ 140   

One-to-four family residential

     118         190         70         138         5   

Real estate construction

     758         1,071         2,251         3,102         258   

Commercial

     338         542         32         350         32   

Other

     7         29         —           —           —     
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total covered

   $ 3,707       $ 4,502       $ 3,421       $ 4,861       $ 435   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

The average recorded investment and interest income recognized on impaired loans as of March 31, 2012 and March 31, 2011 is shown in the following table:

 

     At March 31,  
     2012      2011  

(Dollars in thousands)

   Average
Recorded
Investment
     Interest
Income
     Average
Recorded
Investment
     Interest
Income
 

Noncovered:

           

Commercial real estate

   $ 25,414       $ —         $ 84,934       $ —     

One-to-four family residential

     1,475         9         2,298         1   

Real estate construction

     12,950         —           82,695         —     

Commercial

     3,659         4         17,543         44   

Other

     118         —           18         —     
  

 

 

    

 

 

    

 

 

    

 

 

 

Total noncovered

   $ 43,616       $ 13       $ 187,488       $ 45   
  

 

 

    

 

 

    

 

 

    

 

 

 

Covered:

           

Commercial real estate

   $ 21,267       $ 38       $ 29,998       $ —     

One-to-four family residential

     6,681         —           8,643         —     

Real estate construction

     5,244         —           6,988         —     

Commercial

     2,602         —           5,245         —     

Other

     224         —           600         —     
  

 

 

    

 

 

    

 

 

    

 

 

 

Total covered

   $ 36,018       $ 38       $ 51,474       $ —     
  

 

 

    

 

 

    

 

 

    

 

 

 

Troubled Debt Restructurings. The loan portfolio also includes certain loans that have been modified in a troubled debt restructuring, where economic concessions have been granted to borrowers who have experienced financial difficulties. These concessions typically result from loss mitigation activities and can include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions. Troubled debt restructurings are classified as impaired at the time of restructuring and classified as nonperforming, potential problem, or performing restructured as applicable. Typically loans modified in a trouble debt restructuring are returned to performing status after considering the borrower’s sustained repayment for a reasonable period of at least six months.

When Southwest modifies loans in a troubled debt restructuring, an evaluation of any possible impairment is performed similar to other impaired loans based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan agreement, or use of the current fair value of the collateral, less selling costs for collateral dependent loans. If it is determined that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. In periods subsequent to modification, all loans modified in troubled debt restructurings are evaluated, including those that have payment defaults, for possible impairment.

 

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Table of Contents

Troubled debt restructurings of loans that occurred during the three months ended March 31, 2012 and March 31, 2011 are shown in the following table:

 

(Dollars in thousands)

   Number of
Modifications
     Recorded
Investment
 
For the three months ended March 31, 2012      

Commercial real estate

     1       $ 12,035   

One-to-four family residential

     1         99   

Real estate construction

     1         973   

Commercial

     2         343   
  

 

 

    

 

 

 

Total

     5       $ 13,450   
  

 

 

    

 

 

 
For the three months ended March 31, 2011      

Commercial real estate

     1       $ 3,721   

Commercial

     4         3,978   
  

 

 

    

 

 

 

Total

     5       $ 7,699   
  

 

 

    

 

 

 

The modifications of loans identified as troubled debt restructurings primarily related to payment extensions and/or reductions in the interest rate. The financial impact of troubled debt restructurings is not significant. Southwest has no significant commitments to lend additional amounts with respect to these performing troubled debt restructured loans.

For the three months ended March 31, 2012, two commercial loans that were modified as troubled debt restructurings with a total recorded investment of $0.1 million have subsequently defaulted. Default, for this purpose, is deemed to occur when a loan is 90 days or more past due or transferred to nonaccrual and is within twelve months of restructuring. For the three months ended March 31, 2011, there were no defaults on any loans that were modified as troubled debt restructurings during the preceding twelve months.

Credit Quality Indicators. To assess the credit quality of loans, Southwest categorizes loans into risk categories based on relevant information about the ability of the borrowers to service their debts such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. This analysis is performed on a quarterly basis. Southwest uses the following definitions for risk ratings:

Special mention – Loans classified as special mention have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for these loans or of the institution’s credit position at some future date.

Substandard – Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligors or of the collateral pledged, if any. Loans so classified have one or more well-defined weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that Southwest will sustain some loss if the deficiencies are not corrected. These loans are considered potential nonperforming or nonperforming loans depending on the accrual status of the loans.

Doubtful – Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. These loans are considered nonperforming.

 

15


Table of Contents

Loans not meeting the criteria above that are analyzed as part of the above described process are considered to be pass rated loans. As of March 31, 2012 and December 31, 2011, and based on the most recent analysis performed as of those dates, the risk category of loans by class of loans is as follows:

 

(Dollars in thousands)

   Commercial
Real Estate
     1-4 Family
Residential
     Real Estate
Construction
     Commercial      Other      Total  

At March 31, 2012

                 

Grade:

                 

Pass

   $ 853,902       $ 76,714       $ 149,498       $ 236,691       $ 36,889       $ 1,353,694   

Special Mention

     85,674         2,393         40,141         13,136         225         141,569   

Substandard

     77,723         2,946         39,197         24,878         124         144,868   

Doubtful

     1,794         —           —           1,020         —           2,814   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 1,019,093       $ 82,053       $ 228,836       $ 275,725       $ 37,238       $ 1,642,945   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(Dollars in thousands)

   Commercial
Real Estate
     1-4 Family
Residential
     Real Estate
Construction
     Commercial      Other      Total  

At December 31, 2011

                 

Grade:

                 

Pass

   $ 927,652       $ 84,475       $ 139,431       $ 301,636       $ 38,202       $ 1,491,396   

Special Mention

     60,000         564         46,126         11,345         642         118,677   

Substandard

     62,790         2,408         50,136         35,164         12         150,510   

Doubtful

     1,805         —           138         962         —           2,905   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 1,052,247       $ 87,447       $ 235,831       $ 349,107       $ 38,856       $ 1,763,488   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Allowance for Loan Losses. The allowance for loan losses is a reserve established through a provision for loan losses charged to operations. Loan amounts which are determined to be uncollectible are charged against this allowance, and recoveries, if any, are added to the allowance. The appropriate amount of the allowance is based on continuous review and evaluation of the loan portfolio and ongoing, quarterly assessments of the probable losses inherent in the loan and lease portfolio. The amount of the loan loss provision for a period is based solely upon the amount needed to cause the allowance to reach the level deemed appropriate after the effects of net charge-offs for the period.

Management believes the level of the allowance is appropriate to absorb probable losses inherent in the loan portfolio. The allowance for loan losses is determined in accordance with regulatory guidelines and generally accepted accounting principles and is comprised of two primary components, specific and general. There is no one factor, or group of factors, that produces the amount of an appropriate allowance for loan losses, as the methodology for assessing the allowance for loan losses makes use of evaluations of individual impaired loans along with other factors and analysis of loan categories. This assessment is highly qualitative and relies upon judgments and estimates by management.

The specific allowance is recorded based on the result of an evaluation consistent with ASC 310.10.35, Receivables: Subsequent Measurement, for each impaired loan. Collateral dependent loans are evaluated for impairment based upon the fair value of the collateral. The amount and level of the impairment allowance is ultimately determined by management’s estimate of the amount of expected future cash flows or, if the loan is collateral dependent, on the value of collateral, which may vary from period to period depending on changes in the financial condition of the borrower or changes in the estimated value of the collateral. Charge-offs against the allowance for impaired loans are made when and to the extent loans are deemed uncollectible. Any portion of a collateral dependent impaired loan in excess of the fair value of the collateral that is determined to be uncollectible is charged off.

The general component of the allowance is calculated based on ASC 450, Contingencies. Loans not evaluated for specific allowance are segmented into loan pools by type of loan. The commercial real estate and real estate construction pools are further segmented by the market in which the loan collateral is located. Our primary markets are Oklahoma, Texas, and Kansas, and loans secured by real estate in those states are included in the “in-market” pool, with the remaining defaulting to the “out-of-market” pool. Estimated allowances are based on historical loss trends with adjustments factored in based on qualitative risk factors both internal and external to Southwest. The historical loss trend is determined by loan pool and segmentation and is based on the actual loss history experienced by Southwest over the most recent three years. The qualitative risk factors include, but are not limited to, economic and business conditions, changes in lending staff, lending policies and procedures, quality of loan review, changes in the nature and volume of the portfolios, loss and recovery trends, asset quality trends, and legal and regulatory considerations.

Independent appraisals on real estate collateral securing loans are obtained at origination. New appraisals are obtained periodically and following discovery of factors that may significantly affect the value of the collateral. Appraisals typically are received within 30 days of request. Results of appraisals on nonperforming and potential problem loans are reviewed

 

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promptly upon receipt and considered in the determination of the allowance for loan losses. Southwest is not aware of any significant time lapses in the process that have resulted, or would result in, a significant delay in determination of a credit weakness, the identification of a loan as nonperforming, or the measurement of an impairment.

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio classification disaggregated on the basis of impairment evaluation method.

 

(Dollars in thousands)

   Commercial
Real Estate
    1-4 Family
Residential
    Real Estate
Construction
    Commercial     Other     Total  

At March 31, 2012

            

Balance at beginning of period

   $ 21,749      $ 1,016      $ 11,177      $ 9,827      $ 915      $ 44,684   

Loans charged-off

     (25     (158     —          (1,483     (270     (1,936

Recoveries

     11        35        42        272        259        619   

Provision for loan losses

     2,052        60        73        (419     (50     1,716   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Balance at end of period

   $ 23,787      $ 953      $ 11,292      $ 8,197      $ 854      $ 45,083   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Allowance for loan losses ending balance:

            

Individually evaluated for impairment

   $ 4,240      $ 40      $ 75      $ 824      $ 108      $ 5,287   

Collectively evaluated for impairment

     19,529        912        11,182        7,367        746        39,736   

Acquired with deteriorated credit quality

     18        1        35        6        —          60   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total ending allowance balance

   $ 23,787      $ 953      $ 11,292      $ 8,197      $ 854      $ 45,083   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Loans receivable ending balance:

            

Individually evaluated for impairment

   $ 34,856      $ 1,473      $ 12,624      $ 3,312      $ 118      $ 52,383   

Collectively evaluated for impairment

     961,630        74,814        213,868        270,012        36,924        1,557,248   

Acquired with deteriorated credit quality

     22,607        5,766        2,344        2,401        196        33,314   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total ending loans balance

   $ 1,019,093      $ 82,053      $ 228,836      $ 275,725      $ 37,238      $ 1,642,945   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

At March 31, 2011

            

Balance at beginning of period

   $ 32,508      $ 1,597      $ 19,605      $ 10,605      $ 914      $ 65,229   

Loans charged-off

     (7,325     (83     (1,134     (4,526     (324     (13,392

Recoveries

     35        25        122        189        27        398   

Provision for loan losses

     4,850        (122     (1,174     5,234        262        9,050   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Balance at end of period

   $ 30,068      $ 1,417      $ 17,419      $ 11,502      $ 879      $ 61,285   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Allowance for loan losses ending balances:

            

Individually evaluated for impairment

   $ 8,971      $ 197      $ 5,297      $ 5,977      $ 7      $ 20,449   

Collectively evaluated for impairment

     21,097        1,220        12,122        5,525        872        40,836   

Acquired with deteriorated credit quality

     —          —          —          —          —          —     
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total ending allowance balance

   $ 30,068      $ 1,417      $ 17,419      $ 11,502      $ 879      $ 61,285   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Loans receivable ending balance:

            

Individually evaluated for impairment

   $ 94,403      $ 2,634      $ 83,183      $ 24,664      $ 27      $ 204,911   

Collectively evaluated for impairment

     1,207,761        84,652        347,210        391,728        42,166        2,073,517   

Acquired with deteriorated credit quality

     28,929        8,192        6,425        5,021        550        49,117   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total ending loans balance

   $ 1,331,093      $ 95,478      $ 436,818      $ 421,413      $ 42,743      $ 2,327,545   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

NOTE 4: FAIR VALUE MEASUREMENTS

Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. In estimating fair value, Southwest utilizes valuation techniques that are consistent with the market approach, the income approach, and/or the cost approach. Such valuation techniques are consistently applied. Inputs to valuation techniques include the assumptions that market participants would use in pricing an asset or liability.

ASC 820, Fair Value Measurements and Disclosure, establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:

Level 1       Quoted prices in active markets for identical instruments.

 

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Level 2   Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.
Level 3   Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities.

The estimated fair value amounts have been determined by Southwest using available market information and appropriate valuation methodologies. However, considerable judgment is required to interpret market data to develop the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amount Southwest could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies could have a material effect on the estimated fair value amounts. There were no changes in valuation methods used to estimate fair value during the three months ended March 31, 2012.

A description of the valuation methodologies used for instruments measured at fair value on a recurring basis is as follows:

Loans held for sale – Real estate mortgage loans held for sale are carried at the lower of cost or market, which is determined on an individual loan basis. Guaranteed student loans held for sale are carried at the lower of cost or market, which is determined on an aggregate basis.

Available for sale securities – The fair value of U.S. Government and federal agency securities, equity securities, and residential mortgage-backed securities is estimated based on quoted market prices or dealer quotes. The fair value of other investments such as obligations of state and political subdivisions is estimated based on quoted market prices. Southwest obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information, and bond’s terms and conditions, among other things. Southwest reviews the prices supplied by the independent pricing service, as well as their underlying pricing methodologies, for reasonableness and to ensure such prices are aligned with traditional pricing matrices.

The fair value of a certain private equity investment is estimated based on Southwest’s proportionate share of the net asset value, $1.5 million and $1.2 million as of March 31, 2012 and December 31, 2011, respectively. The investee invests in small and mid-sized U.S. financial institutions and other financial-related companies. This investment has a quarterly redemption with sixty-five days’ notice.

Derivative instrument – Southwest utilizes an interest rate swap agreement to convert one of its variable-rate subordinated debentures to a fixed rate (cash flow hedge). The fair value of the interest rate swap agreement is obtained from dealer quotes.

The following table summarizes financial assets measured at fair value on a recurring basis as of March 31, 2012 and December 31, 2011.

 

           Fair Value Measurement at Reporting Date Using  

(Dollars in thousands)

   Total     Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)
     Significant  Other
Observable
Inputs
(Level 2)
    Significant
Unobservable
Inputs
(Level 3)
 

At March 31, 2012

         

Loans held for sale:

         

Student loans

   $ 5,276      $ —         $ 5,276      $ —     

One-to-four family residential

     3,890        —           3,890        —     

Government guaranteed commercial real estate

     29,477        —           29,477        —     

Other loans held for sale

     122        —           122        —     

Available for sale securities:

         

Federal agency securities

     76,784        —           76,784        —     

Obligations of state and political subdivisions

     23,394        —           23,394        —     

Residential mortgage-backed securities

     219,141        —           219,141        —     

Equity securities

     1,560        102         1,458        —     

Derivative instrument

     (2,609     —           (2,609     —     
  

 

 

   

 

 

    

 

 

   

 

 

 

Total

   $ 357,035      $ 102       $ 356,933      $ —     
  

 

 

   

 

 

    

 

 

   

 

 

 

 

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Table of Contents
           Fair Value Measurement at Reporting Date Using  

(Dollars in thousands)

   Total     Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)
     Significant  Other
Observable
Inputs
(Level 2)
    Significant
Unobservable
Inputs
(Level 3)
 

At December 31, 2011

         

Loans held for sale:

         

Student loans

   $ 5,396      $ —         $ 5,396      $ —     

One-to-four family residential

     3,547        —           3,547        —     

Government guaranteed commercial real estate

     29,624        —           29,624        —     

Other loans held for sale

     128        —           128        —     

Available for sale securities:

         

Federal agency securities

     65,553        —           65,553        —     

Obligations of state and political subdivisions

     11,103        —           11,103        —     

Residential mortgage-backed securities

     182,147        —           182,147        —     

Equity securities

     1,297        80         1,217        —     

Derivative instrument

     (2,834     —           (2,834     —     
  

 

 

   

 

 

    

 

 

   

 

 

 

Total

   $ 295,961      $ 80       $ 295,881      $ —     
  

 

 

   

 

 

    

 

 

   

 

 

 

Certain financial assets are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). These assets are recorded at the lower of cost or fair value. Valuation methodologies for assets measured on a nonrecurring basis are as follows:

Impaired loans – Certain impaired loans are reported at the fair value of the underlying collateral if repayment is expected solely from collateral. Collateral values are estimated using Level 2 inputs based on third-party appraisals or Level 3 inputs based on customized discounting criteria. Certain other impaired loans are remeasured and reported through a specific valuation allowance allocation of the allowance for loan losses based upon the net present value of cash flows.

Other real estate – Other real estate fair value is based on third-party appraisals for significant properties less the estimated costs to sell the asset.

Goodwill – Fair value of goodwill is based on the fair value of each of Southwest’s reporting units to which goodwill is allocated compared with their respective carrying value. There has been no impairment during 2012 or 2011; therefore, no fair value adjustment was recorded through earnings.

Core deposit premiums – The fair value of core deposit premiums are based on third-party appraisals. There has been no impairment during 2012 or 2011; therefore, no fair value adjustment was recorded through earnings.

Mortgage loan servicing rights – There is no active trading market for loan servicing rights. The fair value of loan servicing rights is estimated by calculating the present value of net servicing revenue over the anticipated life of each loan. A cash flow model is used to determine fair value. Key assumptions and estimates, including projected prepayment speeds and assumed servicing costs, earnings on escrow deposits, ancillary income, and discount rates, used by this model are based on current market sources. A separate third party model is used to estimate prepayment speeds based on interest rates, housing turnover rates, estimated loan curtailment, anticipated defaults, and other relevant factors. The prepayment model is updated for changes in market conditions.

Assets that are measured at fair value on a nonrecurring basis as of March 31, 2012 and December 31, 2011 are summarized below.

 

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            Fair Value Measurements Using         

(Dollars in thousands)

   Fair Value
Total
     Quoted Prices in
Active Markets
for Identical
Assets

(Level 1)
     Significant
Other
Observable
Inputs
(Level 2)
     Significant
Unobservable
Inputs

(Level 3)
     Total Gains
(Losses)
 
At March 31, 2012               

Noncovered impaired loans at fair value :

              

Commercial real estate

   $ 17,917       $ —         $ 17,917       $ —         $ (2,375

One-to-four family residential

     1,169         —           1,169         —           94   

Real estate construction

     244         —           244         —           3,507   

Commercial

     2,672         —           2,672         —           184   

Other consumer

     108         —           108         —           5   

Covered other real estate

     4,694         —           4,694         —           (25
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 26,804       $ —         $ 26,804       $ —         $ 1,390   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 
At December 31, 2011               

Noncovered impaired loans at fair value :

              

Commercial real estate

   $ 3,716       $ —         $ 3,716       $ —         $ (1,727

One-to-four family residential

     604         —           604         —           (55

Real estate construction

     3,877         —           3,877            (3,569

Commercial

     3,239         —           3,239         —           (1,964

Other consumer

     112         —           112         —           (103

Noncovered other real estate

     19,844         —           19,844         —           (3,104

Mortgage loan servicing rights

     1,817         —           1,817         —           (315
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 33,209       $ —         $ 33,209       $ —         $ (10,837
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Noncovered impaired loans measured at fair value with a carrying amount of $27.9 million were written down to a fair value of $21.7 million, resulting in a life-to-date impairment of $6.3 million, of which $1.4 million was included in the provision for loan losses for the three months ended March 31, 2012. As of December 31, 2011, noncovered impaired loans measured at fair value with a carrying amount of $19.7 million were written down to the fair value of $11.5 million at December 31, 2011, resulting in a life-to-date impairment charge of $8.1 million, of which $7.4 million was included in the provision for loan losses for the year ended December 31, 2011.

During the quarter, covered other real estate assets were written down to their fair values, resulting in an impairment charge of approximately $25,000, which was included in noninterest expense for the three months ended March 31, 2012. In the prior year, noncovered other real estate assets were written down to their respective fair values, resulting in impairment charges of $3.1 million, which was included in noninterest expense for the year ended December 31, 2011 and mortgage loan servicing rights were written down to their fair value, resulting in impairment charges of $0.3 million, which was included in noninterest income for the year ended December 31, 2011.

ASC 825, Financial Instruments, requires an entity to provide disclosures about fair value of financial instruments, including those that are not measured and reported at fair value on a recurring or nonrecurring basis. The methodologies used in estimating the fair value of financial instruments that are measured on a recurring or nonrecurring basis are discussed above. The methodologies for the other financial instruments are discussed below:

Cash and cash equivalents – For cash and cash equivalents, the carrying amount is a reasonable estimate of fair value.

Securities held to maturity – The investment securities held to maturity are carried at cost. The fair value of the held to maturity securities is estimated based on quoted market prices or dealer quotes.

Loans – Fair values are estimated for certain homogenous categories of loans adjusted for differences in loan characteristics. Southwest’s loans have been aggregated by categories consisting of commercial, real estate, student, and other consumer. The fair value of loans is estimated by discounting the cash flows using risks inherent in the loan category and interest rates currently offered for loans with similar terms and credit risks.

Accrued interest receivable – The carrying amount is a reasonable estimate of fair value for accrued interest receivable.

 

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Investment included in other assets – The estimated fair value of investments included in other assets, which primarily consists of investments carried at cost, approximates their carrying values.

Deposits – The fair value of demand deposits, savings accounts, and certain money market deposits is the amount payable on demand at the statement of financial condition date. The fair value of fixed maturity certificates of deposit is estimated using the rates currently offered for deposits of similar remaining maturities.

Other liabilities and accrued interest payable – The estimated fair value of other liabilities, which primarily includes trade accounts payable, and accrued interest payable approximates their carrying values.

Other borrowings – Included in other borrowings are FHLB advances, securities sold under agreements to repurchase, and treasury tax and loan demand notes. The fair value for fixed rate FHLB advances is based upon discounted cash flow analysis using interest rates currently being offered for similar instruments. The fair values of other borrowings are the amounts payable at the statement of financial condition date, as the carrying amount is a reasonable estimate of fair value due to the short-term maturity rates.

Subordinated debentures – Two subordinated debentures have floating rates that reset quarterly and the third subordinated debenture has a fixed rate. The fair value of the fixed rate subordinated debenture is based on market price. The fair value of the floating rate subordinated debentures approximates carrying value at March 31, 2012. The fair value of the floating rate subordinated debentures at December 31, 2011 was estimated by taking into consideration the liquidity discount implied by the market price of the fixed rate subordinated debenture at December 31, 2011.

The carrying values and estimated fair values of Southwest’s financial instruments segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value, were as follows:

 

     At March 31, 2012      At December 31, 2011  

(Dollars in thousands)

   Carrying
Values
     Fair
Values
     Carrying
Values
     Fair
Values
 

Financial assets:

           

Level 2 inputs:

           

Cash and cash equivalents

   $ 191,463       $ 191,463       $ 30,247       $ 30,247   

Securities held to maturity

     12,981         13,564         15,252         15,885   

Accrued interest receivable

     7,408         7,408         7,176         7,176   

Investments included in other assets

     10,457         10,457         10,454         10,454   

Level 3 inputs:

           

Total loans, net of allowance

     1,597,862         1,548,701         1,718,804         1,708,894   

Financial liabilities:

           

Level 2 inputs:

           

Deposits

     1,806,780         1,759,513         1,921,382         1,883,196   

Accrued interest payable

     5,016         5,016         3,689         3,689   

Other liabilities

     10,711         10,711         9,340         9,340   

Derivative instrument

     2,609         2,609         2,834         2,834   

Other borrowings

     55,139         59,139         56,479         60,688   

Subordinated debentures

     81,963         82,791         81,963         72,423   

NOTE 5: DERIVATIVE INSTRUMENTS

Southwest has an interest rate swap agreement with a total notional amount of $25.0 million. The interest rate swap contract was designated as a hedging instrument in cash flow hedges with the objective of protecting the overall cash flow from Southwest’s quarterly interest payments on the SBI Capital Trust II preferred securities throughout the seven year period beginning February 11, 2011 and ending April 7, 2018 from the risk of variability of those payments resulting from changes in the three-month London Interbank Offered Rate (“LIBOR”). Under the swap, Southwest will pay a fixed interest rate of 6.15% and receive a variable interest rate of three-month LIBOR plus a margin of 2.85% on a total notional amount of $25.0 million, with quarterly settlements. The rate received by Southwest as of March 31, 2012 was 3.42%.

The estimated fair value of the interest rate derivative contract outstanding as of March 31, 2012 and December 31, 2011 resulted in a pre-tax loss of $2.6 million and $2.8 million, respectively, and was included in other liabilities in the unaudited consolidated statement of financial condition. Southwest obtained the counterparty valuation to validate its interest rate derivative contract as of March 31, 2012 and December 31, 2011.

The effective portion of the gain or loss due to changes in the fair value of the derivative hedging instrument, a $0.2 million gain and a $0.3 million loss for the three months ended March 31, 2012 and March 31, 2011, respectively, is included in other comprehensive income, net of tax, while the ineffective portion (indicated by the excess of the cumulative change in the fair value of the derivative over that which is necessary to offset the cumulative change in expected future cash flows on the hedge transaction) is included in other noninterest income or other noninterest expense. No ineffectiveness related to the interest rate derivative was recognized during either reporting period.

 

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Net cash flows as a result of the interest rate swap agreement were $0.2 million and $0.1 million for the three months ended March 31, 2012 and March 31, 2011, respectively, and were included in interest expense on subordinated debentures.

Derivative contracts involve the risk of dealing with institutional derivative counterparties and their ability to meet contractual terms. Institutional counterparties must have an investment grade credit rating and be approved by Southwest’s asset/liability management committee. Southwest’s credit exposure on interest rate swaps is limited to the net favorable value and interest payments of all swaps by each counterparty. Credit exposure may be reduced by the amount of collateral pledged by the counterparty. There are no credit-risk-related contingent features associated with Southwest’s derivative contract.

The fair value of cash and securities posted as collateral by Southwest related to the derivative contract was $3.8 million at both March 31, 2012 and December 31, 2011.

NOTE 6: TAXES ON INCOME

Net deferred tax assets totaled $37.7 million at March 31, 2012 and $43.7 at December 31, 2011. Net deferred tax assets are included in other assets and no valuation allowance is recorded.

Southwest is in a cumulative pretax loss position for the trailing three-year period ended March 31, 2012. Under current accounting guidance, this represents significant negative evidence in the determination of the need for a valuation allowance. Included in the three-year pretax loss position is $101.0 million related to the nonrecurring sale of nonperforming assets and potential problem loans that occurred in fourth quarter 2011.

Southwest conducted an interim analysis to assess the need for a valuation allowance at March 31, 2012. As part of this analysis management considered negative evidence associated with the trailing cumulative loss position against positive evidence associated with the taxable income generated in the first three months of 2012, a long history of taxable income, the projected current federal income tax receivable, and projected pre-tax income in future years. While realization of the deferred tax benefit is not assured, it is management’s judgment, after review of all available evidence and based on the weight of such evidence, that a valuation allowance is not required as realization of these benefits meets the “more likely than not” standard under generally accepted accounting principles.

Southwest and its subsidiaries file income tax returns in the U.S. federal jurisdiction and various state jurisdictions. Southwest is no longer subject to U.S. federal or state tax examinations for years before 2009. On February 15, 2012, Southwest was notified by the Internal Revenue Service that it was under audit for the 2009 income tax filing.

NOTE 7: EARNINGS PER SHARE

Earnings per common share is computed using the two-class method prescribed by ASC 260, Earnings Per Share. Using the two-class method, basic earnings per common share is computed based upon net income available to common shareholders divided by the weighted average number of common shares outstanding during each period, which excludes outstanding unvested restricted stock. Diluted earnings per share is computed using the weighted average number of common shares determined for the basic earnings per common share computation plus the dilutive effect of stock options using the treasury stock method. Stock options and warrants with exercise prices greater than the average market price of common shares were not included in the computation of earnings per diluted share as they would have been antidilutive. On March 31, 2012 and 2011, there were 19,500 and 135,166 antidilutive stock options to purchase common shares, respectively. An antidilutive warrant to purchase 703,753 shares of common stock was also outstanding on March 31, 2012.

 

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The following table sets forth the computation of basic and diluted earnings per common share:

 

    

For the three months

ended March 31,

 

(Dollars in thousands, except earnings per share data)

   2012     2011  

Numerator:

    

Net income

   $ 5,211      $ 2,461   

Preferred dividend

     (903     (875

Warrant amortization

     (189     (178
  

 

 

   

 

 

 

Net income available to common shareholders

   $ 4,119      $ 1,408   

Earnings allocated to participating securities

     —          (2
  

 

 

   

 

 

 

Numerator for basic earnings per common share

   $ 4,119      $ 1,406   

Effect of reallocating undistributed earnings of participating securities

     —          —     
  

 

 

   

 

 

 

Numerator for diluted earnings per common share

   $ 4,119      $ 1,406   

Denominator:

    

Denominator for basic earnings per common share - Weighted average common shares outstanding

     19,444,698        19,409,317   

Effect of dilutive securities:

    

Stock options

     —          3,967   

Warrant

     —          —     
  

 

 

   

 

 

 

Denominator for diluted earnings per common share

     19,444,698        19,413,284   

Earnings per common share:

    

Basic

   $ 0.21      $ 0.07   
  

 

 

   

 

 

 

Diluted

   $ 0.21      $ 0.07   
  

 

 

   

 

 

 

NOTE 8: OPERATING SEGMENTS

Southwest operates six principal segments: Oklahoma Banking, Texas Banking, Kansas Banking, Out of Market, Secondary Market, and Other Operations. The Oklahoma Banking segment, the Texas Banking segment, and the Kansas Banking segment provide deposit and lending services to customers in the states of Oklahoma, Texas, and Kansas. The Out of Market segment provides lending services to customers outside Oklahoma, Texas, and Kansas. The Secondary Market segment consists of three operating units: one that provides student lending services to post-secondary students in Oklahoma and several other states, one that provides residential mortgage lending services to customers in Oklahoma, Texas, and Kansas, and one that provides United States Department of Agriculture (“USDA”) government guaranteed commercial real estate lending services to rural healthcare providers. Other Operations includes Southwest’s funds management unit, SNB Wealth Management and corporate investments.

The primary purpose of the funds management unit is to manage Southwest’s overall internal liquidity needs and interest rate risk. Each segment borrows funds from or provides funds to the funds management unit as needed to support its operations. The value of funds provided to and the cost of funds borrowed from the funds management unit by each segment are internally priced at rates that approximate market rates for funds with similar duration. The yield used in the funds transfer pricing curve is a blend of rates based on the volume usage of retail and brokered certificates of deposit and Federal Home Loan Bank advances.

Southwest identifies reportable segments by type of service provided and geographic location. Operating results are adjusted for borrowings, allocated service costs, and management fees. Portfolio loans are allocated based upon the state of the borrower or the location of the real estate in the case of real estate loans. Loans included in the Out of Market segment are portfolio loans attributable to thirty-two states other than Oklahoma, Texas, or Kansas and primarily consist of healthcare and commercial real estate credits. These out of state loans are administered by offices in Oklahoma, Texas, or Kansas.

The accounting policies of each reportable segment are the same as those of Southwest. Expenses for consolidated back-office operations are allocated to operating segments based on estimated uses of those services. General overhead expenses such as executive administration, accounting, and audit are allocated based on the direct expense and/or deposit and loan volumes of the operating segment. Income tax expense for the operating segments is calculated at statutory rates. The Other Operations segment records the tax expense or benefit necessary to reconcile to the consolidated financial statements.

Capital is assigned to each of the segments using a risk-based capital pricing methodology that assigns capital ratios by asset, deposit, or revenue category based on credit risk, interest rate risk, market risk, operational risk, and liquidity risk.

 

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The following table summarizes financial results by operating segment:

 

For the Three Months Ended March 31, 2012

 

(Dollars in thousands)

   Oklahoma
Banking
    Texas
Banking
     Kansas
Banking
    Out of
Market
    Secondary
Market
     Other
Operations
    Total
Company
 

Net interest income

   $ 9,940      $ 8,340       $ 3,263      $ 1,396      $ 389       $ (2,479   $ 20,849   

Provision for loan losses

     (117     687         (983     2,129        —           —          1,716   

Noninterest income

     1,746        451         514        47        550         206        3,514   

Noninterest expenses

     6,750        3,046         2,778        226        481         1,028        14,309   
  

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

Income (loss) before taxes

     5,053        5,058         1,982        (912     458         (3,301     8,338   

Taxes on income

     1,895        1,897         743        (342     172         (1,238     3,127   
  

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

Net income (loss)

   $ 3,158      $ 3,161       $ 1,239      $ (570   $ 286       $ (2,063   $ 5,211   
  

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

Fixed asset expenditures

   $ 139      $ 63       $ 7      $ —        $ —         $ 366      $ 575   

Total loans at period end

     642,700        636,540         202,050        122,890        38,765         —          1,642,945   

Total assets at period end

     679,457        636,395         215,985        120,527        41,112         580,385        2,273,861   

Total deposits at period end

     1,367,160        151,856         267,630        —          3,274         16,860        1,806,780   

 

For the Three Months Ended March 31, 2011

 

(Dollars in thousands)

   Oklahoma
Banking
     Texas
Banking
     Kansas
Banking
     Out of
Market
    Secondary
Market
    Other
Operations
    Total
Company
 

Net interest income

   $ 10,997       $ 10,091       $ 3,369       $ 1,882      $ 311      $ (1,229   $ 25,421   

Provision for loan losses

     225         5,008         815         3,002        —          —          9,050   

Noninterest income

     1,873         424         529         53        145        225        3,249   

Noninterest expenses

     6,998         3,727         2,870         455        478        1,097        15,625   
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

   

 

 

   

 

 

 

Income (loss) before taxes

     5,647         1,780         213         (1,522     (22     (2,101     3,995   

Taxes on income

     2,212         701         82         (598     (9     (854     1,534   
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

   

 

 

   

 

 

 

Net income (loss)

   $ 3,435       $ 1,079       $ 131       $ (924   $ (13   $ (1,247   $ 2,461   
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

   

 

 

   

 

 

 

Fixed asset expenditures

   $ 19       $ —         $ 28       $ —        $ 3      $ 457      $ 507   

Total loans at period end

     838,006         953,123         272,685         226,383        37,348        —          2,327,545   

Total assets at period end

     862,907         946,457         296,567         221,007        39,139        412,951        2,779,028   

Total deposits at period end

     1,527,731         166,734         275,381         —          2,394        246,331        2,218,571   

NOTE 9: DEFERRAL OF INTEREST & DIVIDENDS

In July 2011, Southwest determined to suspend payments of interest on its three issues of outstanding debentures and dividends on the related trust preferred securities effective August 1, 2011.

The terms of the debentures allow Southwest to defer payments of interest for up to 20 consecutive quarterly periods without default or penalty. These terms also allow Southwest to resume payments at the end of any deferral period, or to extend the deferral up to the maximum 20 quarters in total. No deferral can extend past the maturity date of the debenture.

Interest will continue to accrue on the debentures, and dividends will continue to accrue on the related trust preferred securities.

Southwest’s trust preferred securities were issued by the following subsidiary trusts: Southwest Capital Trust II, which trades on the NASDAQ Global Select Market under the symbol “OKSBP”; OKSB Statutory Trust I; and SBI Capital Trust II. At March 31, 2012, $82.0 million of debentures were outstanding.

In addition, Southwest determined to defer payment of dividends on its Series B Preferred Securities issued under the U.S. Treasury Department’s Capital Purchase Program, effective for the dividend payments, beginning August 15, 2011. Dividends on the Preferred Securities may not be paid while interest on Southwest’s debentures has been deferred, but will continue to accrue. At March 31, 2012, $70.0 million of Preferred Securities were outstanding.

The deferrals on interest and dividends are intended to preserve liquidity at the holding company level, which may be used to inject funds in its bank subsidiaries or for other corporate purposes. Because the interest on the debentures, the dividends on the related trust preferred securities, and the dividends on the Preferred Securities will continue to accrue, these deferrals are

 

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not expected to have any significant effect on the net income or net income available to common shareholders of Southwest. As of March 31, 2012, $4.3 million was accrued for interest on the debentures and $3.1 million was accrued for dividends on the Series B Preferred Securities and included in accrued interest payable and other liabilities on the unaudited consolidated statement of financial condition, respectively.

NOTE 10: NEW AUTHORITATIVE ACCOUNTING GUIDANCE

In May 2011, FASB issued Accounting Standards Update No. 2011-04, Fair Value Measurement – Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs (“ASU 2011-04”). ASU 2011-04 changes the wording used to describe many of the requirements in U.S. GAAP for measuring fair value and for disclosing information about fair value measurements. Consequently, the amendments in this update result in common fair value measurement and disclosure requirements in U.S. GAAP and IFRSs (International Financial Reporting Standards). ASU 2011-04 was effective for Southwest beginning January 1, 2012 and did not have a significant impact on the financial statements. Southwest incorporated the required disclosures. See Note 4.

In June 2011, FASB issued Accounting Standards Update No. 2011-05, Comprehensive Income – Presentation of Comprehensive Income (“ASU 2011-05”). ASU 2011-05 requires that all nonowner changes in stockholders’ equity be presented either in a single continuous statement of comprehensive income or in two separate but consecutive statements. In both choices, an entity is required to present each component of net income along with total net income, each component of other comprehensive income along with a total for other comprehensive income, and a total amount for comprehensive income. Additionally, ASU 2011-05 requires entities to present, on the face of the financial statements, reclassification adjustments for items that are reclassified from other comprehensive income to net income in the statement or statements where the components of net income and the components of other comprehensive income are presented. The option to present components of other comprehensive income as part of the statement of stockholders’ equity was eliminated. ASU 2011-05 was effective for Southwest retrospectively for fiscal years, and interim periods within those years, beginning January 1, 2012 with the exception of the disclosure of the reclassification adjustments on the face of the financial statements, which was deferred. These disclosure requirements did not have a significant impact on Southwest’s consolidated financial statements.

 

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SOUTHWEST BANCORP, INC.

ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITIONS AND RESULTS OF OPERATIONS

Caution About Forward-Looking Statements.

We make forward-looking statements in this Form 10-Q and documents incorporated by reference into it that are subject to risks and uncertainties. We intend these statements to be covered by the safe harbor provision for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995.

These forward-looking statements include:

 

   

Statements of our goals, intentions, and expectations;

 

   

Estimates of risks and of future costs and benefits;

 

   

Expectations regarding our future financial performance and the financial performance of our operating segments;

 

   

Expectations regarding regulatory actions;

 

   

Expectations regarding our ability to utilize tax loss benefits;

 

   

Assessments of loan quality, probable loan losses, and the amount and timing of loan payoffs;

 

   

Estimates of the value of assets held for sale or available for sale; and

 

   

Statements of our ability to achieve financial and other goals.

These forward-looking statements are subject to significant uncertainties because they are based upon: the amount and timing of future changes in interest rates, market behavior, and other economic conditions; future laws, regulations and accounting principles; changes in regulatory standards and examination policies; and a variety of other matters. These other matters include, among other things, the direct and indirect effects of economic conditions on interest rates, credit quality, loan demand, liquidity, and monetary and supervisory policies of banking regulators. Because of these uncertainties, the actual future results may be materially different from the results indicated by these forward-looking statements. In addition, Southwest’s past growth and performance do not necessarily indicate its future results. For other factors, risks, and uncertainties that could cause actual results to differ materially from estimates and projections contained in forward-looking statements, please read the “Risk Factors” contained in Southwest’s reports to the Securities and Exchange Commission.

The cautionary statements in this Form 10-Q and any documents incorporated by reference herein also identify important factors and possible events that involve risk and uncertainties that could cause our actual results to differ materially from those contained in the forward-looking statements. These forward-looking statements speak only as of the date on which the statements were made. We do not intend, and undertake no obligation, to update or revise any forward-looking statements contained in this Form 10-Q, whether as a result of differences in actual results, changes in assumptions, or changes in other factors affecting such statements, except as required by law.

Management’s discussion and analysis of Southwest’s consolidated financial condition and results of operations should be read in conjunction with Southwest’s unaudited consolidated financial statements and the accompanying notes.

CRITICAL ACCOUNTING POLICIES, JUDGMENTS AND ESTIMATES

The accounting and reporting policies followed by Southwest Bancorp, Inc. (“Southwest”) conform, in all material respects, to U.S. generally accepted accounting principles (“GAAP”) and to general practices within the financial services industry. The preparation of the financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. While Southwest bases estimates on historical experience, current information, and other factors deemed to be relevant, actual results could differ from those estimates.

Southwest considers accounting estimates to be critical to reported financial results if (i) the accounting estimate requires management to make assumptions about matters that are highly uncertain and (ii) different estimates that management reasonably could have used for the accounting estimate in the current period, or changes in the accounting estimate that are reasonably likely to occur from period to period, could have a material impact on Southwest’s financial statements. Accounting policies related to the allowance for loan losses and goodwill and other intangible assets are considered to be critical, as these policies involve considerable subjective judgment and estimation by management.

There have been no significant changes in Southwest’s application of critical accounting policies since December 31, 2011.

 

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GENERAL

Southwest is the bank holding company for Stillwater National Bank and Trust Company (“Stillwater National”) and Bank of Kansas. Through its subsidiaries, Southwest offers commercial and consumer lending, deposit and investment services, and specialized cash management, and other financial services from offices in Oklahoma, Texas, and Kansas; and on the Internet, through SNB DirectBanker®.

Southwest was organized in 1981 as the holding company for Stillwater National, which was chartered in 1894. Southwest has established and pursued a strategy of independent operation for the benefit of all of its shareholders. Southwest became a public company in late 1993. At March 31, 2012, Southwest had total assets of $2.3 billion, deposits of $1.8 billion, and shareholders’ equity of $311.6 million.

Southwest’s banking philosophy has led to the development of a line of deposit, lending, and other financial products that respond to professional and commercial customers needs for speed, efficiency, and information and complement more traditional banking products. Southwest has developed a highly automated lockbox, imaging, and information service for commercial customers called “SNB Digital Lockbox” and deposit products that automatically sweep excess funds from commercial demand deposit accounts and invest them in interest bearing funds. Other specialized financial services include integrated document imaging and cash management services designed to help our customers in the healthcare industry and other record-intensive enterprises operate more efficiently. Information regarding Southwest is available online at www.oksb.com. Information regarding the products and services of Southwest’s subsidiaries is available online at www.banksnb.com and www.bankofkansas.com. The information on these websites is not a part of this report on Form 10-Q.

Southwest focuses on converting its strategic vision into long-term shareholder value. Our vision includes a commercial banking model and a community banking model focused on more traditional banking operations in our three-state market.

At March 31, 2012, the Oklahoma Banking segment accounted for $642.7 million in loans, the Texas Banking segment accounted for $636.5 million in loans, the Kansas Banking segment accounted for $202.1 million in loans, and the Out of Market segment accounted for $122.9 million in loans. Southwest offers products to the student, residential mortgage, and rural healthcare lending markets. These operations comprise the Secondary Market business segment. At March 31, 2012, Secondary Market loans accounted for $38.8 million in loans. Southwest engages in residential mortgage lending, but residential mortgages have not been a significant element of Southwest’s strategy. Please see “Financial Condition: Loans” below for additional information.

For additional information on Southwest’s operating segments, please see “Note 8: Operating Segments” in the Notes to Unaudited Consolidated Financial Statements.

FINANCIAL CONDITION

Investment Securities

Southwest’s investment security portfolio increased $58.5 million, or 21%, from $275.4 million at December 31, 2011, to $333.9 million at March 31, 2012. The increase is primarily the result of a $37.0 million, or 20%, increase in residential mortgage-backed securities that includes government agency guaranteed securities, an $11.2 million, or 17%, increase in U.S. government and agency securities, and a $10.0 million, or 38%, increase in municipal securities.

Loans

Total loans, including loans held for sale, were $1.6 billion at March 31, 2012, a 7% decrease from December 31, 2011. All loan categories decreased.

 

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The following table presents the trends in the composition of the loan portfolio at the dates indicated:

 

     

March 31,

2012

    

December 31,

2011

     Total
$ Change
    Total
%  Change
 

(Dollars in thousands)

   Noncovered      Covered      Noncovered      Covered       

Real estate mortgage

                

Commercial

   $ 996,486       $ 22,607       $ 1,028,561       $ 23,686       $ (33,154     (3.15 )% 

One-to-four family residential

     76,287         5,766         80,375         7,072         (5,394     (6.17

Real estate construction

                

Commercial

     222,678         2,344         227,098         3,746         (5,822     (2.52

One-to-four family residential

     3,814         —           4,987         —           (1,173     (23.52

Commercial

     273,324         2,401         346,266         2,841         (73,382     (21.02

Installment and consumer

                

Guaranteed student loans

     5,276         —           5,396         —           (120     (2.22

Other

     31,766         196         33,190         270         (1,498     (4.48
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

   

Total loans

   $ 1,609,631       $ 33,314       $ 1,725,873       $ 37,615       $ (120,543     (6.84 )% 
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

   

The composition of loans held for sale and a reconciliation to total loans is shown in the following table:

 

(Dollars in thousands)

   March 31,
2012
     December 31,
2011
     $ Change     % Change  

Loans held for sale:

  

Student loans

   $ 5,276       $ 5,396       $ (120     (2.22 )% 

One-to-four family residential

     3,890         3,547         343        9.67   

Government guaranteed commercial real estate

     29,477         29,624         (147     (0.50

Other loans held for sale

     122         128         (6     (4.69
  

 

 

    

 

 

    

 

 

   

Total loans held for sale

     38,765         38,695         76        0.20   

Noncovered portfolio loans

     1,570,866         1,687,178         (116,312     (6.89

Covered portfolio loans

     33,314         37,615         (4,301     (11.43
  

 

 

    

 

 

    

 

 

   

Total loans

   $ 1,642,945       $ 1,763,488       $ (120,537     (6.84 )% 
  

 

 

    

 

 

    

 

 

   

Allowance for Loan Losses

Management determines the appropriate level of the allowance for loan losses using an established methodology. (See “Note 3: Loans and Allowance for Loan Losses” in the Notes to Unaudited Consolidated Financial Statements.) The allowance for loan losses is comprised of two primary components. Loans deemed to be impaired (all loans on nonaccrual status and troubled debt restructurings) are evaluated on an individual basis using the discounted present value of expected cash flows, the fair value of collateral, or the market value of the loan, and a specific allowance is recorded based upon the result. Collateral dependent loans are evaluated for impairment based upon the fair value of the collateral. Any portion of a collateral dependent impaired loan in excess of the fair value of the collateral that is determined to be uncollectible is charged off. Loans other than impaired loans are segmented into loan pools by type of loan. The commercial real estate and real estate construction pools are further segmented by the market in which the loan collateral is based. Our primary markets are Oklahoma, Texas, and Kansas and loans secured by real estate within these markets are included in the “in-market” pool, with the remaining loans defaulting to the “out-of-market” pool. The allowance on the other loans is determined by use of historical loss ratios adjusted for qualitative internal and external risk factors.

At March 31, 2012, the noncovered allowance for loan losses was $45.0 million, an increase of $0.8 million, or 2%, from the allowance for loan losses at December 31, 2011. The amount of the allowance resulted from the application of the methodology, which is designed to estimate inherent losses on total portfolio loans, including nonperforming loans.

At March 31, 2012, the allowance on the $14.3 million in noncovered nonaccrual loans was $1.3 million (10%), compared with an allowance on $13.5 million in noncovered nonaccrual loans at December 31, 2011 of $0.9 million (7%), an increase in the allowance of $0.4 million. At March 31, 2012, the allowance on the $38.1 million noncovered performing troubled debt restructured loans was $4.0 million (10%), compared with an allowance on $32.3 million in noncovered performing troubled debt restructured loans of less than $0.1 million at December 31, 2011, an increase in the allowance of $3.9 million.

Excluding the impaired loans mentioned above, at March 31, 2012, the allowance for the remaining other noncovered loans was $39.7 million (3%), compared to $43.3 million (3%) at December 31, 2011, a decrease in the allowance of $3.6 million.

 

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The decrease in the allowance related to these other noncovered loans resulted from the decrease in the loan portfolio and consideration of certain trends and qualitative factors. These included management’s assessment of economic risk, asset quality trends, levels of potential problem loans, loan concentrations in commercial real estate mortgage and construction loans, which together comprised approximately 76% of our noncovered loans at March 31, 2012, and portfolio loss trends. Based on its analysis, management believes the amount of the allowance is appropriate.

Covered loans were $33.3 million and $37.6 million as of March 31, 2012 and December 31, 2011, respectively. These loans are subject to protection under the loss sharing agreements with the FDIC and had an allowance for loan losses of $0.1 million and $0.5 million based on analysis of expected future cash flows as of each respective date.

The amount of the loan loss provision for a period is based solely upon the amount needed to cause the allowance to reach the level deemed appropriate, after the effects of net charge-offs for the period. Net charge-offs for the first three months of 2012 were $1.3 million, a decrease of $11.7 million, or 90%, from the $13.0 million recorded for the first three months of 2011. The provision for loan losses for the first three months of 2012 was $1.7 million, representing a decrease of $7.3 million, or 81%, from the $9.1 million recorded for the first three months of 2011.

Nonperforming Loans

At March 31, 2012, the allowance for loan losses was 312.14% of noncovered nonperforming loans, compared to 326.47% of noncovered nonperforming loans, at December 31, 2011 (see “Provision for Loan Losses” on page 34). Noncovered nonaccrual loans, which comprise the majority of noncovered nonperforming loans, were $14.3 million as of March 31, 2012, an increase of $0.8 million, or 6%, from December 31, 2011. We have taken cumulative charge-offs related to these noncovered nonaccrual loans of $14.9 million as of March 31, 2012. Noncovered nonaccrual loans at March 31, 2012 were comprised of 38 relationships and were primarily concentrated in commercial real estate (48%) and real estate construction (27%) loans. All noncovered nonaccrual loans are considered impaired and are carried at their estimated collectible amounts. These noncovered loans are believed to have sufficient collateral and are in the process of being collected. Covered nonperforming loans at March 31, 2012 of $7.0 million are subject to protection under the loss share agreements with the FDIC.

 

    

March 31,

2012

   

December 31,

2011

 

(Dollars in thousands)

   Noncovered     Covered     Noncovered     Covered  

Nonaccrual loans:

        

Commercial real estate

   $ 6,821      $ 4,870      $ 4,667      $ 3,554   

One-to-four family residential

     1,508        151        1,468        188   

Real estate construction

     3,768        1,647        3,877        3,009   

Commercial

     2,109        343        3,371        370   

Other consumer

     118        4        123        7   
  

 

 

   

 

 

   

 

 

   

 

 

 

Total nonaccrual loans

     14,324        7,015        13,506        7,128   

Past due 90 days or more:

        

One-to-four family residential

     —          —          23        —     

Commercial

     100        —          3        —     

Other consumer

     —          —          17        —     
  

 

 

   

 

 

   

 

 

   

 

 

 

Total past due 90 days or more

     100        —          43        —     
  

 

 

   

 

 

   

 

 

   

 

 

 

Total nonperforming loans

     14,424        7,015        13,549        7,128   

Other real estate

     19,329        4,694        19,844        4,529   
  

 

 

   

 

 

   

 

 

   

 

 

 

Total nonperforming assets

   $ 33,753      $ 11,709      $ 33,393      $ 11,657   
  

 

 

   

 

 

   

 

 

   

 

 

 

Performing restructured

   $ 1,700      $ —        $ 1,017      $ —     
  

 

 

   

 

 

   

 

 

   

 

 

 

Nonperforming assets to portfolio loans receivable and other real estate

     2.12     30.81     1.96     27.66

Nonperforming loans to portfolio loans receivable

     0.92        21.06        0.80        18.95   

Allowance for loan losses to nonperforming loans

     312.14        0.86        326.47        6.33   

Government-guaranteed portion of nonperforming loans

   $ 76      $ 4,695      $ 76      $ 4,764   

At March 31, 2012 and December 31, 2011, five credit relationships represented 67% and 69% of noncovered nonperforming loans, respectively and 28% of noncovered nonperforming assets. As of March 31, 2012, these credit relationships were all collateral dependent and commercial or commercial real estate lending relationships with aggregate principal balances of $9.6 million and related impairment reserves of $0.6 million. Aggregate charge-offs for these five relationships were $13.2 million and $12.3 million as of March 31, 2012 and December 31, 2011, respectively.

 

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Noncovered performing loans considered potential problem loans, loans which are not included in the past due or nonaccrual categories but for which known information about possible credit problems causes management to be uncertain as to the ability of the borrowers to comply with the present loan repayment terms, amounted to approximately $126.3 million at March 31, 2012, compared to $133.0 million at December 31, 2011. Substantially all of these loans were performing in accordance with their present terms at March 31, 2012. Included in this total are $38.1 million loans that are considered performing troubled debt restructured loans as a result of a modification in terms due to a weakening in the financial position of the borrower. Additionally, there are $0.6 million and $0.9 million, respectively, of covered potential problem loans, which are subject to protection under the loss share agreements with the FDIC. Loans may be monitored by management and reported as potential problem loans for an extended period of time during which management continues to be uncertain as to the ability of certain borrowers to comply with the present loan repayment terms. These loans are subject to continuing management attention and are considered by management in determining the level of the allowance for loan losses.

At March 31, 2012, the reserve for unfunded loan commitments was $2.3 million, a $0.1 million, or 4%, increase from the amount at December 31, 2011. Management believes the amount of the reserve is appropriate. The increased amount is primarily the result of an increased level of commitments.

Deposits and Other Borrowings

Southwest’s deposits were $1.8 billion and $1.9 billion at March 31, 2012 and December 31, 2011, respectively. The following table presents the trends in the composition of deposits at the dates indicated:

 

(Dollars in thousands)

   March 31,
2012
     December 31,
2011
     $ Change     % Change  

Noninterest-bearing demand

   $ 395,141       $ 400,985       $ (5,844     (1.46 )% 

Interest-bearing demand

     119,759         105,905         13,854        13.08   

Money market accounts

     349,419         423,181         (73,762     (17.43

Savings accounts

     34,679         33,406         1,273        3.81   

Time deposits of $100,000 or more

     464,876         487,907         (23,031     (4.72

Other time deposits

     442,906         469,998         (27,092     (5.76
  

 

 

    

 

 

    

 

 

   

Total deposits

   $ 1,806,780       $ 1,921,382       $ (114,602     (5.96 )% 
  

 

 

    

 

 

    

 

 

   

Stillwater National has substantial unused borrowing availability in the form of unsecured brokered certificate of deposits from Bank of America Merrill Lynch, Citigroup Global Markets, Inc., Wells Fargo Bank, NA, UBS Securities, LLC, RBC Capital Markets Corp., and Morgan Stanley & Co., Inc. in connection with its retail certificate of deposit program. There were no retail certificates of deposit as of March 31, 2012 or December 31, 2011.

As of December 31, 2011, Stillwater National has other brokered certificates of deposit totaling $0.2 million included in time deposits of $100,000 or more in the above table. There were no other brokered certificates of deposit as of March 31, 2012.

Other borrowings, which includes short-term federal funds purchased, FHLB borrowings, and repurchase agreements, decreased $1.3 million, or 2%, to $55.1 million during the first three months of 2012. The decrease reflects the reduced need for funding for lending activities in the period.

Shareholders’ Equity

Shareholders’ equity increased $4.5 million, or 1%, due to income of $5.2 million, offset in part by preferred dividends accrued totaling $0.9 million for the first three months of 2012. Net unrealized holding gains on available for sale investment securities and derivative instruments (net of tax) increased to $2.3 million at March 31, 2012, compared to $2.1 million at December 31, 2011.

At March 31, 2012, Southwest, Stillwater National, and Bank of Kansas continued to exceed all applicable regulatory capital requirements. See “Capital Requirements” on page 36.

 

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RESULTS OF OPERATIONS

FOR THE THREE MONTH PERIODS ENDED MARCH 31, 2012 and 2011

Net income available to common shareholders for the first quarter of 2012 of $4.1 million represented an increase of $1.4 million from the $2.7 million net income available to common shareholders earned in the first quarter of 2011. Diluted earnings per share were $0.21, compared to $0.07. The increase in quarterly net income available to common shareholders was the result of a $7.3 million, or 81%, decrease in the provision for loan losses, a $1.3 million, or 8%, decrease in noninterest expense, and a $0.3 million, or 8%, increase in noninterest income, offset in part by a $4.6 million, or 18%, decrease in net interest income, and a $1.6 million, or 104% increase in income taxes.

Provisions for loan losses are booked in the amounts necessary to maintain the allowance for loan losses at an appropriate level at period end after net charge-offs for the period. The necessary provision for first quarter of 2012 was $7.3 million less than the provision required for first quarter of 2011. (See “Note 3: Loans and Allowance for Loan Losses” in the Notes to Unaudited Consolidated Financial Statements and “Provision for Loan Losses” on page 34.)

On an operating segment basis, the increase in net income was the net result of a $2.1 million increase in net income from the Texas Banking segment, a $1.1 million increase in net income from the Kansas Banking segment, a $0.4 million decrease in net loss from the Out of Market segment, a $0.3 million increase in net income from the Secondary Market, offset in part by a $0.3 million decrease in net income from the Oklahoma Banking segment and a $0.8 million increase in the net loss from the Other Operations segment.

Net Interest Income

 

    

For the three months

ended March 31,

              

(Dollars in thousands)

   2012      2011      $ Change     % Change  

Interest income:

          

Loans

   $ 23,377       $ 30,539       $ (7,162     (23.45 )% 

Investment securities:

          

U.S. government and agency obligations

     393         376         17        4.52   

Mortgage-backed securities

     1,319         1,245         74        5.94   

State and political subdivisions

     212         80         132        165.00   

Other securities

     22         45         (23     (51.11

Other interest-earning assets

     184         140         44        31.43   
  

 

 

    

 

 

    

 

 

   

Total interest income

     25,507         32,425         (6,918     (21.34

Interest expense:

          

Interest-bearing demand deposits

     70         124         (54     (43.55

Money market accounts

     286         677         (391     (57.75

Savings accounts

     13         16         (3     (18.75

Time deposits of $100,000 or more

     1,320         2,349         (1,029     (43.81

Other time deposits

     1,207         1,967         (760     (38.64

Other borrowings

     224         497         (273     (54.93

Subordinated debentures

     1,538         1,374         164        11.94   
  

 

 

    

 

 

    

 

 

   

Total interest expense

     4,658         7,004         (2,346     (33.50
  

 

 

    

 

 

    

 

 

   

Net interest income

   $ 20,849       $ 25,421       $ (4,572     (17.99 )% 
  

 

 

    

 

 

    

 

 

   

Net interest income is the difference between the interest income Southwest earns on its loans, investments, and other interest-earning assets and the interest paid on interest-bearing liabilities, such as deposits and borrowings. Net interest income is affected by changes in market interest rates because different types of assets and liabilities may react differently and at different times to changes in market interest rates. When interest-earning assets mature or reprice more quickly than interest-bearing liabilities, falling interest rates could reduce net interest income. Similarly, when interest-bearing liabilities mature or reprice more quickly than interest-earning assets in a period, an increase of market rates of interest could reduce net interest income.

Yields on Southwest’s interest-earning assets decreased 15 basis points, while the rates paid on Southwest’s interest-bearing liabilities decreased 23 basis points, resulting in an increase in the interest rate spread to 3.51% for the first quarter of 2012 from 3.44% for the first quarter of 2011. During the same periods, annualized net interest margin was 3.83% and 3.78%, respectively, and the ratio of average interest-earning assets to average interest-bearing liabilities increased to 135.83% from

 

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132.93%. Included in both the first quarter of 2012 and the first quarter of 2011 were immaterial adjustments of the discount accretion on loans and the loss share receivable, offset by immaterial interest reversal on nonaccrual loans. The net effects of these adjustments on net interest margin were a 1 basis point increase for first quarter of 2012 and the first quarter of 2011.

The decrease in total interest income was primarily the result of the decrease in average loans. The effect of Southwest’s $677.7 million (28%) decline in average loans more than offset the 32 basis point increase in average yield on loans to 5.49% for the first quarter of 2012 from 5.17% for the first quarter of 2011. During the same period, average investment securities increased $58.5 million, or 23%; however, the related yield decreased to 2.49% from 2.76% in 2011. Average other interest earning assets increased $88.9 million, or 96% and the related yield decreased to 0.41% for the first quarter of 2012 from 0.61% for the first quarter of 2011.

The decrease in total interest expense can be attributed to the decrease in rates paid on interest-bearing liabilities and the effects of a $434.2 million, or 21%, decrease in average interest-bearing liabilities. Southwest’s average total interest-bearing deposits decreased $398.8 million, or 21%, and the related rates paid for interest expense decreased to 0.79% for the first quarter of 2012 from 1.11% for the first quarter of 2011. Average other borrowings decreased $35.4 million, or 39%, and the related rates paid for interest expense decreased to 1.64% for the first quarter of 2012 from 2.23% for the first quarter of 2011.

RATE VOLUME TABLE

The following table analyzes changes in interest income and interest expense of Southwest for the periods indicated. For each category of interest-earning asset and interest-bearing liability, information is provided on changes attributable to: (i) changes in volume (changes in volume multiplied by the prior period’s rate); and (ii) changes in rates (changes in rate multiplied by the prior period’s volume). Changes in rate-volume (changes in rate multiplied by the changes in volume) are allocated between changes in rate and changes in volume in proportion to the relative contribution of each.

 

(Dollars in thousands)

   For the three months ended March 31,
2012 vs. 2011
 
     Increase
Or
(Decrease)
    Due to Change
In Average:
 
     Volume     Rate  

Interest earned on:

      

Noncovered loans receivable (1)

   $ (6,932   $ (8,920   $ 1,988   

Covered loans receivable

     (230     (278     48   

Investment securities (1)

     200        372        (172

Other interest-earning assets

     44        101        (57
  

 

 

     

Total interest income

     (6,918     (6,171     (747

Interest paid on:

      

Interest-bearing demand

     (54     8        (62

Money market accounts

     (391     (116     (275

Savings accounts

     (3     3        (6

Time deposits

     (1,789     (975     (814

Other borrowings

     (273     (164     (109

Subordinated debentures

     164        —          164   
  

 

 

     

Total interest expense

     (2,346     (1,349     (997
  

 

 

   

 

 

   

 

 

 

Net interest income

   $ (4,572   $ (4,822   $ 250   
  

 

 

   

 

 

   

 

 

 

 

(1) Interest on tax-exempt loans and securities is not shown on a tax-equivalent basis because it is not considered material.

 

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AVERAGE BALANCES, YIELDS AND RATES

The following table sets forth average interest-earning assets and interest-bearing liabilities and the average yields and rates thereon for the periods indicated.

 

     For the three months ended March 31,  

(Dollars in thousands)

   2012     2011  
     Average
Balance
    Interest      Average
Yield/Rate
    Average
Balance
    Interest      Average
Yield/Rate
 

Assets

              

Noncovered loans (1) (2)

   $ 1,664,615      $ 22,723         5.49   $ 2,326,882      $ 29,655         5.17

Covered loans (1)

     36,050        654         7.30        51,494        884         6.96   

Investment securities (2)

     314,925        1,946         2.49        256,384        1,746         2.76   

Other interest-earning assets

     181,637        184         0.41        92,692        140         0.61   
  

 

 

   

 

 

      

 

 

   

 

 

    

Total interest-earning assets

     2,197,227        25,507         4.67        2,727,452        32,425         4.82   

Other assets

     158,921             91,807        
  

 

 

        

 

 

      

Total assets

   $ 2,356,148           $ 2,819,259        
  

 

 

        

 

 

      

Liabilities and shareholders’ equity

              

Interest-bearing demand deposits

   $ 120,605      $ 70         0.23   $ 112,441      $ 124         0.45

Money market accounts

     393,820        286         0.29        491,306        677         0.56   

Savings accounts

     34,587        13         0.15        27,741        16         0.23   

Time deposits

     931,792        2,527         1.09        1,248,152        4,316         1.40   
  

 

 

   

 

 

      

 

 

   

 

 

    

Total interest-bearing deposits

     1,480,804        2,896         0.79        1,879,640        5,133         1.11   

Other borrowings

     54,848        224         1.64        90,198        497         2.23   

Subordinated debentures

     81,963        1,538         7.51        81,969        1,374         6.70   
  

 

 

   

 

 

      

 

 

   

 

 

    

Total interest-bearing liabilities

     1,617,615        4,658         1.16        2,051,807        7,004         1.38   
       

 

 

        

 

 

 

Noninterest-bearing demand deposits

     378,959             365,161        

Other liabilities

     48,688             19,789        

Shareholders’ equity

     310,886             382,502        
  

 

 

        

 

 

      

Total liabilities and shareholders’ equity

   $ 2,356,148           $ 2,819,259        
  

 

 

        

 

 

      

Net interest income and interest rate spread

     $ 20,849         3.51     $ 25,421         3.44
    

 

 

    

 

 

     

 

 

    

 

 

 

Net interest margin (3)

          3.83          3.78
       

 

 

        

 

 

 

Ratio of average interest-earning assets to average interest-bearing liabilities

     135.83          132.93     
  

 

 

        

 

 

      

 

(1) Average balances include nonaccrual loans. Fees included in interest income on loans receivable are not considered material.
(2) Interest on tax-exempt loans and securities is not shown on a tax-equivalent basis because it is not considered material.
(3) Net interest margin = annualized net interest income / average interest-earning assets

 

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Noninterest Income

 

    

For the three months

ended March 31,

              

(Dollars in thousands)

   2012      2011      $ Change     % Change  

Noninterest income:

          

Other service charges

   $ 2,421       $ 2,478       $ (57     (2.30 )% 

Other fees

     506         400         106        26.50   

Other noninterest income

     52         177         (125     (70.62

Gain on sales of loans:

          

One-to-four family residential

     535         193         342        177.20   

All other loan sales

     —           1         (1     —     
  

 

 

    

 

 

    

 

 

   

Total noninterest income

   $ 3,514       $ 3,249       $ 265        8.16
  

 

 

    

 

 

    

 

 

   

Other fees increased as a result of increased brokerage fees and decreased amortization of mortgage servicing rights as a result of decreased prepayment speeds. Other noninterest income declined as a result of withdrawal from investments that took place in first quarter of 2011.

Gain on sales of loans is a reflection of the activity in the mortgage lending areas discussed elsewhere in this report.

Noninterest Expense

 

    

For the three months

ended March 31,

             

(Dollars in thousands)

   2012      2011     $ Change     % Change  

Noninterest expense:

         

Salaries and employee benefits

   $ 7,247       $ 7,515      $ (268     (3.57 )% 

Occupancy

     2,545         2,804        (259     (9.24

FDIC and other insurance

     783         1,243        (460     (37.01

Other real estate (net)

     372         436        (64     (14.68

Unfunded loan commitment reserve

     95         (55     150        (272.73

Other general and administrative

     3,267         3,682        (415     (11.27
  

 

 

    

 

 

   

 

 

   

Total noninterest expense

   $ 14,309       $ 15,625      $ (1,316     (8.42 )% 
  

 

 

    

 

 

   

 

 

   

Salaries and employee benefits decreased primarily as a result of decreased profit sharing contributions. The number of full-time equivalent employees did not change from 435 at the beginning of the first quarter of 2012. For the first quarter of 2011, the number of full-time equivalent employees decreased from 432 at the beginning of the quarter to 424 as of March 31, 2011.

The decrease in occupancy expense is the result of decreased building rental expense, maintenance renewal expense, and depreciation expense as a result of controlling capital expenditures.

Southwest’s financial institution subsidiaries pay deposit insurance premiums to the FDIC based on assessment rates. The decrease from prior year is the result of a change in premium calculation methodology from a deposit basis to an asset basis.

The unfunded loan commitment reserve expense increased as a result of the application of our methodology to calculate the reserve.

The decrease in other general and administrative expense is primarily the result of reduced legal fees and the elimination of Southwest’s obligation to accrue for estimated interest and penalties on unrecognized tax benefits.

Provisions for Loan Losses

Southwest records provisions for loan losses in amounts necessary to maintain the allowance for loan losses at the levels Southwest determines are appropriate. (See “Note 3: Loans and Allowance for Loan Losses” in the Notes to Unaudited Consolidated Financial Statements.)

The allowance for loan losses of $45.1 million at March 31, 2012 increased $0.4 million, or 1%, from year-end 2011. The increase in the allowance for loan losses is a result of the calculation of the appropriate allowance at period end. Net charge-offs

 

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incurred in the first three months of 2012 were $1.3 million and the provision for loan losses recorded in the first quarter was $1.7 million. The provision for loan losses is the amount of expense that is required to maintain the allowance for losses at an appropriate level based upon the inherent risks in the loan portfolio after the effects of net charge-offs for the period. (See “Note 3: Loans and Allowance for Loan Losses” in the Notes to Unaudited Consolidated Financial Statements and “Loans” on page 27.)

Taxes on Income

Southwest’s income tax expense was $3.1 million for the first three months of 2012 compared to $1.5 million for the first three months of 2011, an increase of $1.6 million, or 104%. The increase in the income tax expense is the result of increased income. The effective tax rate for the first three months of 2012 was 37.50% while the effective tax rate for the first three months of 2011 was 38.40%.

LIQUIDITY

Liquidity is measured by a financial institution’s ability to raise funds through deposits, borrowed funds, capital, or the sale of highly marketable assets such as available for sale investments. Additional sources of liquidity, including cash flow from the repayment of loans and the sale of participations in outstanding loans, are also considered in determining whether liquidity is satisfactory. Liquidity is also achieved through growth of deposits, reductions in liquid assets, and accessibility to capital and money markets. These funds are used to meet deposit withdrawals, maintain reserve requirements, fund loans, and operate the organization.

Southwest, Stillwater National, and Bank of Kansas have available various forms of short-term borrowings for cash management and liquidity purposes. These forms of borrowings include federal funds purchased, securities sold under agreements to repurchase, and borrowings from the Federal Reserve Bank (“FRB”) and the Federal Home Loan Bank of Topeka (“FHLB”).

Stillwater National also carries interest-bearing demand notes issued by the U.S. Treasury in connection with the Treasury Tax and Loan note program. There was no outstanding balance of those notes at March 31, 2012. Stillwater National has approved federal funds purchase lines totaling $93.0 million with three banks; there was no outstanding balance on these lines at March 31, 2012. Stillwater National is qualified to borrow funds from the FRB through their Borrower-In-Custody (“BIC”) program. Collateral under this program consists of pledged selected commercial and industrial loans. Currently the collateral allows Stillwater National to borrow up to $39.7 million. As of March 31, 2012, no borrowings were made through the BIC program. In addition, Stillwater National has available a $386.1 million line of credit and Bank of Kansas has a $65.7 million line of credit from the FHLB. Borrowings under the FHLB lines are secured by investment securities and loans. At March 31, 2012, the Stillwater National FHLB line of credit had an outstanding balance of $20.0 million, and the Bank of Kansas line of credit had an outstanding balance of $5.0 million.

(See also “Deposits and Other Borrowings” on page 30 for funds available on brokered certificate of deposit lines of credit and “Note 8: Operating Segments” in the Notes to Unaudited Consolidated Financial Statements for a discussion of Southwest’s funds management unit.)

Stillwater National sells securities under agreements to repurchase with Stillwater National retaining custody of the collateral. Collateral consists of U.S. government agency obligations, which are designated as pledged with Stillwater National’s safekeeping agent. These transactions are for one to four day periods. Outstanding balances under this program were $30.1 million and $31.5 million as of March 31, 2012 and December 31, 2011, respectively.

At March 31, 2012, $254.6 million of the total carrying value of investment securities of $320.9 million were pledged as collateral to secure public and trust deposits, sweep agreements, and borrowings from the FHLB. Any amount over pledged can be released at any time.

During the first three months of 2012, no category of short-term borrowings had an average balance that exceeded 30% of ending shareholders’ equity.

During the first three months of 2012, cash and cash equivalents decreased by $38.4 million, or 17%, to $191.5 million. This decrease was the net result of $116.0 million in cash used in financing activities (primarily from decreases in deposits), offset in part by cash provided from investing activities of $60.5 million (primarily from net repayments of loans offset in part by purchases of available for sale securities) and cash provided by operating activities of $17.1 million.

 

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During the first three months of 2011, cash and cash equivalents increased by $50.1 million, or 74%, to $117.6 million. This increase was the net result of cash provide from investing of $79.3 million (primarily net repayments of loans and proceeds from repayments, calls and maturities of securities) and cash provided by operating activities of $15.1 million, offset in part by cash used in financing activities of $44.4 million (primarily from decreases in deposits).

As of March 31, 2012, the holding company has $30.8 million in available cash.

CAPITAL REQUIREMENTS

Bank holding companies are required to maintain capital ratios set by the Federal Reserve Bank in its Risk-Based Capital Guidelines. At March 31, 2012, Southwest exceeded all applicable capital requirements, having a total risk-based capital ratio of 22.49%, a Tier I risk-based capital ratio of 21.21%, and a leverage ratio of 16.20%. As of March 31, 2012, Stillwater National and Bank of Kansas met the criteria for classification as “well-capitalized” institutions under the prompt corrective action rules of the Federal Deposit Insurance Act. Designation as a well-capitalized institution under these regulations does not constitute a recommendation or endorsement of Southwest, Stillwater National, or Bank of Kansas by bank regulators.

On January 27, 2010, Stillwater National informally agreed with the Office of the Comptroller of the Currency, its primary federal regulator, to maintain a ratio of capital to risk weighted assets of at least 12.5% and a Tier 1 leverage ratio of at least 8.5%. As of March 31, 2012, Stillwater National had a capital to risk weighted assets ratio of 20.16% and a Tier 1 leverage ratio of 14.32%.

EFFECTS OF INFLATION

The unaudited consolidated financial statements and related unaudited consolidated financial data presented herein have been prepared in accordance with accounting principles generally accepted in the United States of America and practices within the banking industry which require the measurement of financial position and operating results in terms of historical dollars without considering fluctuations in the relative purchasing power of money over time due to inflation. Unlike most industrial companies, virtually all the assets and liabilities of a financial institution are monetary in nature. As a result, interest rates have a more significant impact on a financial institution’s performance than do the effects of general levels of inflation.

* * * * * * *

 

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Table of Contents

ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Southwest’s net income is largely dependent on its net interest income. Southwest seeks to maximize its net interest margin within an acceptable level of interest rate risk. Interest rate risk can be defined as the amount of forecasted net interest income that may be gained or lost due to favorable or unfavorable movements in interest rates. Interest rate risk, or sensitivity, arises when the maturity or repricing characteristics of assets differ significantly from the maturity or repricing characteristics of liabilities. Net interest income is also affected by changes in the portion of interest-earning assets that are funded by interest-bearing liabilities rather than by other sources of funds, such as noninterest-bearing deposits and shareholders’ equity.

Southwest attempts to manage interest rate risk while enhancing net interest margin by adjusting its asset/liability position. At times, depending on the level of general interest rates, the relationship between long-term and other interest rates, market conditions, and competitive factors, Southwest may determine to increase its interest rate risk position in order to increase its net interest margin. Southwest monitors interest rate risk and adjusts the composition of its rate-sensitive assets and liabilities in order to limit its exposure to changes in interest rates on net interest income over time. Southwest’s asset/liability committee reviews its interest rate risk position and profitability, and recommends adjustments. The asset/liability committee also reviews the securities portfolio, formulates investment strategies, and oversees the timing and implementation of transactions. Notwithstanding Southwest’s interest rate risk management activities, the actual magnitude, direction, and relationship of future interest rates are uncertain and can have adverse effects on net income and liquidity.

A principal objective of Southwest’s asset/liability management effort is to balance the various factors that generate interest rate risk, thereby maintaining the interest rate sensitivity of Southwest within acceptable risk levels. To measure its interest rate sensitivity position, Southwest utilizes a simulation model that facilitates the forecasting of net interest income over the next twelve month period under a variety of interest rate and growth scenarios.

The earnings simulation model uses numerous assumptions regarding the effect of changes in interest rates on the timing and extent of repricing characteristics, future cash flows, and customer behavior. These assumptions are inherently uncertain and, as a result, the model cannot precisely forecast net income. Actual results differ from simulated results due to timing of cash flows, the magnitude and frequency of interest rate changes, and changes in market conditions and management strategies, among other factors.

The balance sheet is subject to quarterly testing for six alternative interest rate shock possibilities to indicate the inherent interest rate risk. Average interest rates are shocked by +/- 100, 200, and 300 basis points (“bp”), although Southwest may elect not to use particular scenarios that it determines are impractical in a current rate environment. It is management’s goal to structure the balance sheet so that net interest earnings at risk over a twelve-month period and the economic value of equity at risk do not exceed policy guidelines at the various interest rate shock levels.

Measures of net interest income at risk produced by simulation analysis are indicators of an institution’s short-term performance in alternative rate environments. These measures are typically based upon a relatively brief period, usually one year. They do not necessarily indicate the long-term prospects or economic value of the institution.

 

Changes in Interest Rates:

   + 300 bp     +200 bp     +100 bp  

Policy Limit

     (18.00 )%      (10.00 )%      (5.00 )% 

March 31, 2012

     4.43     0.11     (2.01 )% 

December 31, 2011

     4.84     0.18     (2.14 )% 

The current overnight rate as established by the Federal Open Market Committee is in the 0% to 0.25% range. Southwest believes that all down rate scenarios are impractical since they would result in an overnight rate of less than 0%. As a result, the down 100 bp, down 200 bp, and down 300 bp scenarios have been excluded. Net interest income at risk improved in the +100 bp scenario; however, the +200 bp and +300 bp scenarios experienced a modest decline when compared to the December 31, 2011 risk position. Southwest’s greatest exposure to changes in interest rate is in the +100 bp scenario with a decline in net interest income of (2.01%) at March 31, 2012, a 0.13 percentage point improvement from the December 31, 2011 level of (2.14%). All of the above measures of net interest income at risk remain well within prescribed policy limits.

The measures of equity value at risk indicate the ongoing economic value of Southwest by considering the effects of changes in interest rates on all of Southwest’s cash flows and discounting the cash flows to estimate the present value of assets and liabilities. The difference between these discounted values of the assets and liabilities is the economic value of equity, which, in theory, approximates the fair value of Southwest’s net assets.

 

37


Table of Contents

Changes in Interest Rates:

   +300 bp     +200 bp     +100 bp  

Policy Limit

     (35.00 )%      (20.00 )%      (10.00 )% 

March 31, 2012

     6.73     4.99     2.39

December 31, 2011

     9.96     7.33     3.75

As of March 31, 2012, the economic value of equity improved in each of the three rising interest rate scenarios when compared to the December 31, 2011 percentages. Southwest’s largest economic value of equity exposure is the +300 bp scenario. The +300 bp scenario was 6.73% on March 31, 2012, a 3.23 percentage point reduction from the December 31, 2011 value of 9.96%. The economic value of equity ratio in all scenarios remains well within Southwest’s asset/liability management policy limits.

* * * * * * *

ITEM 4. CONTROLS AND PROCEDURES

Disclosure Controls and Procedures

As required by SEC rules, Southwest’s management evaluated the effectiveness of Southwest’s disclosure controls and procedures as of March 31, 2012. Southwest’s Chief Executive Officer and Chief Financial Officer participated in the evaluation. Based on this evaluation, Southwest’s Chief Executive Officer and Chief Financial Officer concluded that Southwest’s disclosure controls and procedures were effective as of March 31, 2012.

First Three Months of 2012 Changes in Internal Control over Financial Reporting

No change occurred during the first three months of 2012 that has materially affected, or is reasonably likely to materially affect, Southwest’s internal control over financial reporting.

 

38


Table of Contents

PART II: OTHER INFORMATION

 

Item 1: Legal proceedings

Southwest and its subsidiaries are regularly subject to various claims and legal actions arising in the normal course of business. Management currently does not expect that ultimate disposition of any of these matters will have a material adverse effect on Southwest’s financial statements. Southwest is not currently aware of any additional or material changes to pending or threatened litigation against Southwest or its subsidiaries that involves Southwest or any of its subsidiaries or that involves any of the property of Southwest or its subsidiaries that could have a material adverse effect on Southwest’s financial statements.

 

Item 1A: Risk Factors

There were no material changes in risk factors during the first three months of 2012 from those disclosed in Southwest’s Form 10-K for the year ended December 31, 2011.

 

Item 2: Unregistered sales of equity securities and use of proceeds

There were no unregistered sales of equity securities by Southwest during the quarter ended March 31, 2012.

There were no purchases of Southwest’s common stock by or on behalf of Southwest or any affiliated purchasers of Southwest (as defined in Securities and Exchange Commission Rule 10b-18) during the three months ended March 31, 2012.

 

Item 3: Defaults upon senior securities

See current Report on Form 8-K dated July 25, 2011 with respect to planned arrearage on Southwest Bancorp Inc.’s Fixed Rate Cumulative Perpetual Preferred Stock, Series B. As of the date of filing of this Report on Form 10-Q, total arrearages on this stock were $3.1 million.

 

Item 4: (removed and reserved)

 

Item 5: Other information

None

 

Item 6: Exhibits

 

   Exhibit 31(a), (b)

   Rule 13a-14(a)/15d-14(a) Certifications

   Exhibit 32(a), (b)

   18 U.S.C. Section 1350 Certifications

 

 

39


Table of Contents

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

SOUTHWEST BANCORP, INC.

(Registrant)

 

By:

  

/s/ Rick Green

      May 4, 2012
   Rick Green       Date
   President and Chief Executive Officer      
   (Principal Executive Officer)      

 

By:

  

/s/ Laura Robertson

      May 4, 2012
   Laura Robertson       Date
   Executive Vice President, Chief Financial      
   Officer      
   (Principal Financial Officer)      

 

40

EX-31.A 2 d341800dex31a.htm CERTIFICATION Certification

Exhibit 31(a)

Rule 13a-14(a)/15d-14(a) Certification

I, Rick Green, certify that:

 

1. I have reviewed this quarterly report on Form 10-Q of Southwest Bancorp, Inc.;

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

  a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

  b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

  c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures as of the end of the period covered by this report based upon such evaluation; and

 

  d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

  a) All significant deficiencies and material weaknesses in the design or operation of internal controls over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

  b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

 

Date: May 4, 2012

  

/s/ Rick Green

  
     Rick Green   
     President and Chief Executive Officer   
     (Principal Executive Officer)   

 

41

EX-31.B 3 d341800dex31b.htm CERTIFICATION Certification

Exhibit 31(b)

Rule 13a-14(a)/15d-14(a) Certification

I, Laura Robertson, certify that:

 

1. I have reviewed this quarterly report on Form 10-Q of Southwest Bancorp, Inc.;

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

  a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

  b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

  c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures as of the end of the period covered by this report based upon such evaluation; and

 

  d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

  a) All significant deficiencies and material weaknesses in the design or operation of internal controls over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

  b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

 

Date: May 4, 2012

  

/s/ Laura Robertson

  
     Laura Robertson   
     Executive Vice President, Chief Financial Officer   
     (Principal Financial Officer)   

 

42

EX-32.A 4 d341800dex32a.htm CERTIFICATION Certification

Exhibit 32(a)

18 U.S.C. Section 1350 Certification

I hereby certify pursuant to 18 U.S.C. § 1350, as adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2003, to the best of my knowledge and belief, that the accompanying Form 10-Q of Southwest Bancorp, Inc. (“Southwest”) for the three month period ended March 31, 2012, fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m or 78o(d)); and that the information contained in this Form 10-Q fairly presents, in all material respects, the financial condition and results of operations of Southwest.

 

By:  

/s/ Rick Green

      May 4, 2012
  Rick Green       Date
  President and Chief Executive Officer      
  (Principal Executive Officer)      

 

43

EX-32.B 5 d341800dex32b.htm CERTIFICATION Certification

Exhibit 32(b)

18 U.S.C. Section 1350 Certification

I hereby certify pursuant to 18 U.S.C. § 1350, as adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2003, to the best of my knowledge and belief, that the accompanying Form 10-Q of Southwest Bancorp, Inc. (“Southwest”) for the three month period ended March 31, 2012, fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m or 78o(d)); and that the information contained in this Form 10-Q fairly presents, in all material respects, the financial condition and results of operations of Southwest.

 

By:

  

/s/ Laura Robertson

      May 4, 2012
   Laura Robertson       Date
   Executive Vice President, Chief Financial Officer      
   (Principal Financial Officer)      

 

44

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text-indent:-1.00em"><font style="font-family:times new roman" size="2">Total assets at period end</font></p> </td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">862,907</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">946,457</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">296,567</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">221,007</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">39,139</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">412,951</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">2,779,028</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> </tr> <tr bgcolor="#cceeff"> <td valign="top"> <p style="margin-left:1.00em; text-indent:-1.00em"><font style="font-family:times new roman" size="2">Total deposits at period end</font></p> </td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">1,527,731</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">166,734</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">275,381</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">&#8212;&#160;&#160;</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">2,394</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">246,331</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom"><font size="1">&#160;</font></td> <td valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> <td valign="bottom" align="right"><font style="font-family:times new roman" size="2">2,218,571</font></td> <td nowrap="nowrap" valign="bottom"><font style="font-family:times new roman" size="2">&#160;</font></td> </tr> <!-- End Table Body --> </table> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Note 9 - oksb:DeferralOfInterestAndDividendsTextBlock--> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b>NOTE 9: DEFERRAL OF INTEREST&#160;&#038; DIVIDENDS </b></font></p> <p style="margin-top:6px;margin-bottom:0px"><font style="font-family:times new roman" size="2">In July 2011, Southwest determined to suspend payments of interest on its three issues of outstanding debentures and dividends on the related trust preferred securities effective August&#160;1, 2011. </font></p> <p style="margin-top:12px;margin-bottom:0px"><font style="font-family:times new roman" size="2">The terms of the debentures allow Southwest to defer payments of interest for up to 20 consecutive quarterly periods without default or penalty. These terms also allow Southwest to resume payments at the end of any deferral period, or to extend the deferral up to the maximum 20 quarters in total. No deferral can extend past the maturity date of the debenture. </font></p> <p style="margin-top:12px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Interest will continue to accrue on the debentures, and dividends will continue to accrue on the related trust preferred securities. </font></p> <p style="margin-top:12px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Southwest&#8217;s trust preferred securities were issued by the following subsidiary trusts: Southwest Capital Trust II, which trades on the NASDAQ Global Select Market under the symbol &#8220;OKSBP&#8221;; OKSB Statutory Trust I; and SBI Capital Trust II. At March&#160;31, 2012, $82.0 million of debentures were outstanding. </font></p> <p style="margin-top:12px;margin-bottom:0px"><font style="font-family:times new roman" size="2">In addition, Southwest determined to defer payment of dividends on its Series B Preferred Securities issued under the U.S. Treasury Department&#8217;s Capital Purchase Program, effective for the dividend payments, beginning August&#160;15, 2011. Dividends on the Preferred Securities may not be paid while interest on Southwest&#8217;s debentures has been deferred, but will continue to accrue. At March&#160;31, 2012, $70.0 million of Preferred Securities were outstanding. </font></p> <p style="margin-top:12px;margin-bottom:0px"><font style="font-family:times new roman" size="2">The deferrals on interest and dividends are intended to preserve liquidity at the holding company level, which may be used to inject funds in its bank subsidiaries or for other corporate purposes. 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ASU 2011-04 changes the wording used to describe many of the requirements in U.S. GAAP for measuring fair value and for disclosing information about fair value measurements. Consequently, the amendments in this update result in common fair value measurement and disclosure requirements in U.S. GAAP and IFRSs (International Financial Reporting Standards). ASU 2011-04 was effective for Southwest beginning January&#160;1, 2012 and did not have a significant impact on the financial statements. Southwest incorporated the required disclosures. See Note 4. </font></p> <p style="margin-top:12px;margin-bottom:0px"><font style="font-family:times new roman" size="2"> In June 2011, FASB issued Accounting Standards Update No.&#160;2011-05, <i>Comprehensive Income &#8211; Presentation of Comprehensive Income </i>(&#8220;ASU 2011-05&#8221;). 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Investment Securities
3 Months Ended
Mar. 31, 2012
Investment Securities [Abstract]  
INVESTMENT SECURITIES

NOTE 2: INVESTMENT SECURITIES

A summary of the amortized cost and fair values of investment securities at March 31, 2012 and December 31, 2011 follows:

 

                                 

(Dollars in thousands)

  Amortized
Cost
    Gross Unrealized     Fair Value  
    Gains     Losses    

At March 31, 2012:

                               

Held to Maturity:

                               

Obligations of state and political subdivisions

  $ 12,981     $ 583     $ —       $ 13,564  
   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 12,981     $ 583     $ —       $ 13,564  
   

 

 

   

 

 

   

 

 

   

 

 

 

Available for Sale:

                               

Federal agency securities

  $ 76,085     $ 877     $ (178   $ 76,784  

Obligations of state and political subdivisions

    23,213       330       (149     23,394  

Residential mortgage-backed securities

    214,167       5,135       (161     219,141  

Equity securities

    1,069       491       —         1,560  
   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 314,534     $ 6,833     $ (488   $ 320,879  
   

 

 

   

 

 

   

 

 

   

 

 

 
         

At December 31, 2011:

                               

Held to Maturity:

                               

Obligations of state and political subdivisions

  $ 15,252     $ 633     $ —       $ 15,885  
   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 15,252     $ 633     $ —       $ 15,885  
   

 

 

   

 

 

   

 

 

   

 

 

 

Available for Sale:

                               

Federal agency securities

  $ 64,524     $ 1,051     $ (22   $ 65,553  

Obligations of state and political subdivisions

    10,926       196       (19     11,103  

Residential mortgage-backed securities

    177,365       4,889       (107     182,147  

Equity securities

    1,054       243       —         1,297  
   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 253,869     $ 6,379     $ (148   $ 260,100  
   

 

 

   

 

 

   

 

 

   

 

 

 

Residential mortgage-backed securities consist of agency securities underwritten and guaranteed by Government National Mortgage Association (“Ginnie Mae”), Federal Home Loan Mortgage Corporation (“Freddie Mac”), and Federal National Mortgage Association (“Fannie Mae”).

 

Securities with limited marketability, such as Federal Reserve Bank stock, Federal Home Loan Bank stock, and certain other investments, are carried at cost and included in other assets on the unaudited consolidated statement of financial condition. Total investments carried at cost were $10.5 million at both March 31, 2012 and December 31, 2011. There are no identified events or changes in circumstances that may have a significant adverse effect on these investments carried at cost.

A comparison of the amortized cost and approximate fair value of Southwest’s investment securities by maturity date at March 31, 2012 follows:

 

                                 
    Available for Sale     Held to Maturity  

(Dollars in thousands)

  Amortized
Cost
    Fair
Value
    Amortized
Cost
    Fair
Value
 

One year or less

  $ 13,134     $ 13,366     $ 1,129     $ 1,137  

More than one year through five years

    192,418       197,622       1,948       1,989  

More than five years through ten years

    89,000       89,614       6,443       6,698  

More than ten years

    19,982       20,277       3,461       3,740  
   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 314,534     $ 320,879     $ 12,981     $ 13,564  
   

 

 

   

 

 

   

 

 

   

 

 

 

The foregoing analysis assumes that Southwest’s residential mortgage-backed securities mature during the period in which they are estimated to prepay. No other prepayment or repricing assumptions have been applied to Southwest’s investment securities for this analysis.

Gain or loss on sale of investments is based upon the specific identification method. There were no sales of investment securities for the three months ended March 31, 2012 or March 31, 2011.

The following table presents securities with gross unrealized losses and their fair values by the length of time that the individual securities had been in a continuous unrealized loss position at March 31, 2012 and December 31, 2011. Securities whose market values exceed cost are excluded from this table.

 

                                         

(Dollars in thousands)

  Number  of
Securities
    Amortized cost  of
securities with
unrealized losses
    Continuous Unrealized
Loss Existing for:
    Fair value  of
securities with
unrealized losses
 
      Less Than
12  Months
    More Than
12 Months
   

At March 31, 2012:

                                       

Available for Sale:

                                       

Federal agency securities

    11     $ 21,888     $ (178   $ —       $ 21,710  

Obligations of state and political subdivisions

    5       7,435       (149     —         7,286  

Residential mortgage-backed securities

    18       30,096       (161     —         29,935  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    34     $ 59,419     $ (488   $ —       $ 58,931  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
           
At December 31, 2011:                                        

Available for Sale:

                                       

Federal agency securities

    3     $ 5,461     $ (22   $ —       $ 5,439  

Obligations of state and political subdivisions

    3       3,853       (19     —         3,834  

Residential mortgage-backed securities

    22       19,666       (107     —         19,558  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    28     $ 28,980     $ (148   $ —       $ 28,831  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Southwest evaluates all securities on an individual basis for other-than-temporary impairment on at least a quarterly basis. Consideration is given to the length of time and the extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of Southwest to retain its investment in the issuer for a period of time sufficient to allow for an anticipated recovery in fair value.

Management has the ability and intent to hold the securities classified as held to maturity in the table above until they mature, at which time Southwest expects to receive full value for the securities. Furthermore, as of March 31, 2012, management does not have the intent to sell any of the securities classified as available for sale in the table above and believes that it is not more likely than not that Southwest will have to sell any such securities before a recovery of cost. The declines in fair value were attributable to increases in market interest rates over the yields available at the time the underlying securities were purchased or increases in spreads over market interest rates. Management does not believe any of the securities are impaired due to credit quality. Accordingly, as of March 31, 2012, management believes the impairment of these investments is not deemed to be other-than-temporary.

 

As required by law, available for sale investment securities are pledged to secure public and trust deposits, sweep agreements, and borrowings from the FHLB. Securities with an amortized cost of $254.6 million and $212.3 million were pledged to meet such requirements at March 31, 2012 and December 31, 2011, respectively. Any amount over-pledged can be released at any time.

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Significant Accounting and Reporting Policies
3 Months Ended
Mar. 31, 2012
Significant Accounting and Reporting Policies [Abstract]  
SIGNIFICANT ACCOUNTING AND REPORTING POLICIES

NOTE 1: SIGNIFICANT ACCOUNTING AND REPORTING POLICIES

The accompanying unaudited consolidated financial statements were prepared in accordance with instructions for Form 10-Q and, therefore, do not include all information and notes necessary for a complete presentation of financial position, results of operations, shareholders’ equity, cash flows, and comprehensive income in conformity with accounting principles generally accepted in the United States. However, the unaudited consolidated financial statements include all adjustments which, in the opinion of management, are necessary for a fair presentation. Those adjustments consist of normal recurring adjustments. The results of operations for the three months ended March 31, 2012, and the cash flows for the three months ended March 31, 2012, should not be considered indicative of the results to be expected for the full year. These unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Southwest Bancorp, Inc. Annual Report on Form 10-K for the year ended December 31, 2011.

The accompanying unaudited consolidated financial statements include the accounts of Southwest Bancorp, Inc. (“Southwest”), its wholly owned financial institution subsidiaries, Stillwater National Bank and Trust Company (“Stillwater National”) and Bank of Kansas, and SNB Capital Corporation, a lending and loan workout subsidiary. All significant intercompany transactions and balances have been eliminated in consolidation.

In accordance with Accounting Standards Codification (“ASC”) 855, Subsequent Events, Southwest has evaluated subsequent events for potential recognition and disclosure through the date the consolidated financial statements included in this Quarterly Report on Form 10-Q were issued.

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Consolidated Statements of Financial Condition (Unaudited) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2012
Dec. 31, 2011
Assets:    
Cash and due from banks $ 24,458 $ 30,247
Interest-bearing deposits 167,005 199,642
Cash and cash equivalents 191,463 229,889
Securities held to maturity (fair values of $13,564 and $15,885, respectively) 12,981 15,252
Securities available for sale (amortized cost $314,534 and $253,869, respectively) 320,879 260,100
Loans held for sale 38,765 38,695
Noncovered loans receivable 1,570,866 1,687,178
Less: Allowance for loan losses (45,023) (44,233)
Net noncovered loans 1,525,843 1,642,945
Covered loans receivable (includes loss share of $8,638 and $10,073, respectively) 33,314 37,615
Less: Allowance for loan losses (60) (451)
Net covered loans receivable 33,254 37,164
Net loans receivable 1,559,097 1,680,109
Accrued interest receivable 7,408 7,176
Income tax receivable 24,544 28,666
Premises and equipment, net 22,587 22,700
Noncovered other real estate 19,329 19,844
Covered other real estate 4,694 4,529
Goodwill 6,811 6,811
Other intangible assets, net 4,858 4,857
Other assets 60,445 64,245
Total assets 2,273,861 2,382,873
Deposits:    
Noninterest-bearing demand 395,141 400,985
Interest-bearing demand 119,759 105,905
Money market accounts 349,419 423,181
Savings accounts 34,679 33,406
Time deposits of $100,000 or more 464,876 487,907
Other time deposits 442,906 469,998
Total deposits 1,806,780 1,921,382
Accrued interest payable 5,016 3,689
Other liabilities 13,320 12,174
Other borrowings 55,139 56,479
Subordinated debentures 81,963 81,963
Total liabilities 1,962,218 2,075,687
Shareholders' equity:    
Serial preferred stock - 1,000 par value; 2,000,000 shares authorized; 70,000 shares issued and outstanding 68,644 68,455
Common stock - $1 par value; 40,000,000 shares authorized; 19,445,913 and 19,444,213 shares issued and outstanding, respectively 19,446 19,444
Paid in capital 98,895 98,932
Retained earnings 122,362 118,244
Accumulated other comprehensive income 2,296 2,111
Total shareholders' equity 311,643 307,186
Total liabilities & shareholders' equity $ 2,273,861 $ 2,382,873

XML 18 R6.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Cash Flows (Unaudited) (USD $)
In Thousands, unless otherwise specified
3 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Operating activities:    
Net income $ 5,211 $ 2,461
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses 1,716 9,050
Deferred tax expense 3,050 1,155
Asset depreciation 597 689
Securities premium amortization, net of discount accretion 656 632
Amortization of intangibles 296 360
Stock based compensation expense 26 103
Net gain on sales of available for sale loans (535) (194)
Net loss on sales of premises/equipment   16
Net loss (gain) on sales of other real estate (100) 146
Proceeds from sales of held for sale loans 28,223 12,457
Held for sale loans originated for resale (27,916) (12,173)
Net changes in assets and liabilities:    
Accrued interest receivable (232) (199)
Other assets 276 711
Income taxes receivable / payable 4,073 509
Excess tax expense from share-based payment arrangements 49 123
Accrued interest payable 1,327 228
Other liabilities 373 (942)
Net cash provided by operating activities 17,090 15,132
Proceeds from principal repayments, calls and maturities:    
Held to maturity securities 2,250 1,250
Available for sale securities 15,426 18,945
Purchases of other investments (3) (14)
Purchases of available for sale securities (76,726) (16,472)
Principal repayments, net of loans originated 118,464 74,562
Purchases of premises and equipment (575) (507)
Proceeds from sales of premises and equipment 91 31
Proceeds from sales of other real estate 1,535 1,537
Net cash provided by investing activities 60,462 79,332
Financing activities:    
Net decrease in deposits (114,602) (34,157)
Net decrease in other borrowings (1,340) (9,270)
Net proceeds from issuance of common stock 14 29
Excess tax expense from share-based payment arrangements (49) (123)
Preferred stock dividends paid (1) (876)
Net cash used in financing activities (115,978) (44,397)
Net (decrease) increase in cash and cash equivalents (38,426) 50,067
Cash and cash equivalents:    
Beginning of period 229,889 67,496
End of period $ 191,463 $ 117,563
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XML 20 R7.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Shareholders' Equity (Unaudited) (USD $)
In Thousands, except Share data, unless otherwise specified
Total
Preferred Stock
Common Stock
Additional Paid-in Capital
Retained Earnings
Accumulated Other Comprehensive Income
Beginning balance at Dec. 31, 2010 $ 377,812 $ 67,724 $ 19,422 $ 98,894 $ 190,793 $ 979
Beginning balance, shares at Dec. 31, 2010     19,421,900      
Dividends (paid and/or accrued):            
Preferred (876)       (876)  
Warrant amortization   178     (178)  
Common stock issued, shares     15,400      
Common stock issued 225   15 210    
Net common stock issued under employee plans and related tax expense, shares     990      
Net common stock issued under employee plans and related tax expense (109)   1 (110)    
Other comprehensive income/loss, net of tax (163)         (163)
Net income 2,461       2,461  
Ending balance at Mar. 31, 2011 379,350 67,902 19,438 98,994 192,200 816
Ending balance, shares at Mar. 31, 2011     19,438,290      
Beginning balance at Dec. 31, 2011 307,186 68,455 19,444 98,932 118,244 2,111
Beginning balance, shares at Dec. 31, 2011     19,444,213      
Dividends (paid and/or accrued):            
Preferred (904)       (904)  
Warrant amortization   189     (189)  
Net common stock issued under employee plans and related tax expense, shares     1,700      
Net common stock issued under employee plans and related tax expense (35)   2 (37)    
Other comprehensive income/loss, net of tax 185         185
Net income 5,211       5,211  
Ending balance at Mar. 31, 2012 $ 311,643 $ 68,644 $ 19,446 $ 98,895 $ 122,362 $ 2,296
Ending balance, shares at Mar. 31, 2012     19,445,913      
XML 21 R3.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Financial Condition (Unaudited) (Parenthetical) (USD $)
In Thousands, except Share data, unless otherwise specified
Mar. 31, 2012
Dec. 31, 2011
Consolidated Statements of Financial Condition [Abstract]    
Held to maturity securities, fair value $ 13,564 $ 15,885
Available for sale securities, amortized cost 314,534 253,869
Covered loans receivable, loss share $ 8,638 $ 10,073
Preferred stock, par value $ 1,000 $ 1,000
Preferred stock, shares authorized 2,000,000 2,000,000
Preferred stock, shares issued 70,000 70,000
Preferred stock, shares outstanding 70,000 70,000
Common stock, par value $ 1 $ 1
Common stock, shares authorized 40,000,000 40,000,000
Common stock, shares issued 19,445,913 19,444,213
Common stock, shares outstanding 19,445,913 19,444,213
XML 22 R17.htm IDEA: XBRL DOCUMENT v2.4.0.6
New Authoritative Accounting Guidance
3 Months Ended
Mar. 31, 2012
New Authoritative Accounting Guidance [Abstract]  
NEW AUTHORITATIVE ACCOUNTING GUIDANCE

NOTE 10: NEW AUTHORITATIVE ACCOUNTING GUIDANCE

In May 2011, FASB issued Accounting Standards Update No. 2011-04, Fair Value Measurement – Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs (“ASU 2011-04”). ASU 2011-04 changes the wording used to describe many of the requirements in U.S. GAAP for measuring fair value and for disclosing information about fair value measurements. Consequently, the amendments in this update result in common fair value measurement and disclosure requirements in U.S. GAAP and IFRSs (International Financial Reporting Standards). ASU 2011-04 was effective for Southwest beginning January 1, 2012 and did not have a significant impact on the financial statements. Southwest incorporated the required disclosures. See Note 4.

In June 2011, FASB issued Accounting Standards Update No. 2011-05, Comprehensive Income – Presentation of Comprehensive Income (“ASU 2011-05”). ASU 2011-05 requires that all nonowner changes in stockholders’ equity be presented either in a single continuous statement of comprehensive income or in two separate but consecutive statements. In both choices, an entity is required to present each component of net income along with total net income, each component of other comprehensive income along with a total for other comprehensive income, and a total amount for comprehensive income. Additionally, ASU 2011-05 requires entities to present, on the face of the financial statements, reclassification adjustments for items that are reclassified from other comprehensive income to net income in the statement or statements where the components of net income and the components of other comprehensive income are presented. The option to present components of other comprehensive income as part of the statement of stockholders’ equity was eliminated. ASU 2011-05 was effective for Southwest retrospectively for fiscal years, and interim periods within those years, beginning January 1, 2012 with the exception of the disclosure of the reclassification adjustments on the face of the financial statements, which was deferred. These disclosure requirements did not have a significant impact on Southwest’s consolidated financial statements.

XML 23 R1.htm IDEA: XBRL DOCUMENT v2.4.0.6
Document and Entity Information
3 Months Ended
Mar. 31, 2012
May 04, 2012
Document and Entity Information [Abstract]    
Entity Registrant Name SOUTHWEST BANCORP INC  
Entity Central Index Key 0000914374  
Document Type 10-Q  
Document Period End Date Mar. 31, 2012  
Amendment Flag false  
Document Fiscal Year Focus 2012  
Document Fiscal Period Focus Q1  
Current Fiscal Year End Date --12-31  
Entity Filer Category Accelerated Filer  
Entity Common Stock, Shares Outstanding   19,446,800
XML 24 R4.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Operations (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Interest income:    
Interest and fees on loans $ 23,377 $ 30,539
Investment securities:    
U.S. Government and agency obligations 393 376
Mortgage-backed securities 1,319 1,245
State and political subdivisions 212 80
Other securities 22 45
Other interest-earning assets 184 140
Total interest income 25,507 32,425
Interest expense:    
Interest-bearing demand 70 124
Money market accounts 286 677
Savings accounts 13 16
Time deposits of $100,000 or more 1,320 2,349
Other time deposits 1,207 1,967
Other borrowings 224 497
Subordinated debentures 1,538 1,374
Total interest expense 4,658 7,004
Net interest income 20,849 25,421
Provision for loan losses 1,716 9,050
Net interest income after provision for loan losses 19,133 16,371
Noninterest income:    
Service charges and fees 2,927 2,878
Other noninterest income 52 177
Gain on sales of loans, net 535 194
Total noninterest income 3,514 3,249
Noninterest expense:    
Salaries and employee benefits 7,247 7,515
Occupancy 2,545 2,804
FDIC and other insurance 783 1,243
Other real estate, net 372 436
General and administrative 3,362 3,627
Total noninterest expense 14,309 15,625
Income before taxes 8,338 3,995
Taxes on income 3,127 1,534
Net income 5,211 2,461
Net income available to common shareholders $ 4,119 $ 1,408
Basic earnings per common share $ 0.21 $ 0.07
Diluted earnings per common share $ 0.21 $ 0.07
Cash dividends declared per share      
XML 25 R12.htm IDEA: XBRL DOCUMENT v2.4.0.6
Derivative Instruments
3 Months Ended
Mar. 31, 2012
Derivative Instruments [Abstract]  
DERIVATIVE INSTRUMENTS

NOTE 5: DERIVATIVE INSTRUMENTS

Southwest has an interest rate swap agreement with a total notional amount of $25.0 million. The interest rate swap contract was designated as a hedging instrument in cash flow hedges with the objective of protecting the overall cash flow from Southwest’s quarterly interest payments on the SBI Capital Trust II preferred securities throughout the seven year period beginning February 11, 2011 and ending April 7, 2018 from the risk of variability of those payments resulting from changes in the three-month London Interbank Offered Rate (“LIBOR”). Under the swap, Southwest will pay a fixed interest rate of 6.15% and receive a variable interest rate of three-month LIBOR plus a margin of 2.85% on a total notional amount of $25.0 million, with quarterly settlements. The rate received by Southwest as of March 31, 2012 was 3.42%.

The estimated fair value of the interest rate derivative contract outstanding as of March 31, 2012 and December 31, 2011 resulted in a pre-tax loss of $2.6 million and $2.8 million, respectively, and was included in other liabilities in the unaudited consolidated statement of financial condition. Southwest obtained the counterparty valuation to validate its interest rate derivative contract as of March 31, 2012 and December 31, 2011.

The effective portion of the gain or loss due to changes in the fair value of the derivative hedging instrument, a $0.2 million gain and a $0.3 million loss for the three months ended March 31, 2012 and March 31, 2011, respectively, is included in other comprehensive income, net of tax, while the ineffective portion (indicated by the excess of the cumulative change in the fair value of the derivative over that which is necessary to offset the cumulative change in expected future cash flows on the hedge transaction) is included in other noninterest income or other noninterest expense. No ineffectiveness related to the interest rate derivative was recognized during either reporting period.

 

Net cash flows as a result of the interest rate swap agreement were $0.2 million and $0.1 million for the three months ended March 31, 2012 and March 31, 2011, respectively, and were included in interest expense on subordinated debentures.

Derivative contracts involve the risk of dealing with institutional derivative counterparties and their ability to meet contractual terms. Institutional counterparties must have an investment grade credit rating and be approved by Southwest’s asset/liability management committee. Southwest’s credit exposure on interest rate swaps is limited to the net favorable value and interest payments of all swaps by each counterparty. Credit exposure may be reduced by the amount of collateral pledged by the counterparty. There are no credit-risk-related contingent features associated with Southwest’s derivative contract.

The fair value of cash and securities posted as collateral by Southwest related to the derivative contract was $3.8 million at both March 31, 2012 and December 31, 2011.

XML 26 R11.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements
3 Months Ended
Mar. 31, 2012
Fair Value Measurements [Abstract]  
FAIR VALUE MEASUREMENTS

NOTE 4: FAIR VALUE MEASUREMENTS

Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. In estimating fair value, Southwest utilizes valuation techniques that are consistent with the market approach, the income approach, and/or the cost approach. Such valuation techniques are consistently applied. Inputs to valuation techniques include the assumptions that market participants would use in pricing an asset or liability.

ASC 820, Fair Value Measurements and Disclosure, establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:

Level 1       Quoted prices in active markets for identical instruments.

     
Level 2   Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.
   
Level 3   Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities.

The estimated fair value amounts have been determined by Southwest using available market information and appropriate valuation methodologies. However, considerable judgment is required to interpret market data to develop the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amount Southwest could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies could have a material effect on the estimated fair value amounts. There were no changes in valuation methods used to estimate fair value during the three months ended March 31, 2012.

A description of the valuation methodologies used for instruments measured at fair value on a recurring basis is as follows:

Loans held for sale – Real estate mortgage loans held for sale are carried at the lower of cost or market, which is determined on an individual loan basis. Guaranteed student loans held for sale are carried at the lower of cost or market, which is determined on an aggregate basis.

Available for sale securities – The fair value of U.S. Government and federal agency securities, equity securities, and residential mortgage-backed securities is estimated based on quoted market prices or dealer quotes. The fair value of other investments such as obligations of state and political subdivisions is estimated based on quoted market prices. Southwest obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information, and bond’s terms and conditions, among other things. Southwest reviews the prices supplied by the independent pricing service, as well as their underlying pricing methodologies, for reasonableness and to ensure such prices are aligned with traditional pricing matrices.

The fair value of a certain private equity investment is estimated based on Southwest’s proportionate share of the net asset value, $1.5 million and $1.2 million as of March 31, 2012 and December 31, 2011, respectively. The investee invests in small and mid-sized U.S. financial institutions and other financial-related companies. This investment has a quarterly redemption with sixty-five days’ notice.

Derivative instrument – Southwest utilizes an interest rate swap agreement to convert one of its variable-rate subordinated debentures to a fixed rate (cash flow hedge). The fair value of the interest rate swap agreement is obtained from dealer quotes.

The following table summarizes financial assets measured at fair value on a recurring basis as of March 31, 2012 and December 31, 2011.

 

                                 
          Fair Value Measurement at Reporting Date Using  

(Dollars in thousands)

  Total     Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)
    Significant  Other
Observable
Inputs
(Level 2)
    Significant
Unobservable
Inputs
(Level 3)
 

At March 31, 2012

                               

Loans held for sale:

                               

Student loans

  $ 5,276     $ —       $ 5,276     $ —    

One-to-four family residential

    3,890       —         3,890       —    

Government guaranteed commercial real estate

    29,477       —         29,477       —    

Other loans held for sale

    122       —         122       —    
         

Available for sale securities:

                               

Federal agency securities

    76,784       —         76,784       —    

Obligations of state and political subdivisions

    23,394       —         23,394       —    

Residential mortgage-backed securities

    219,141       —         219,141       —    

Equity securities

    1,560       102       1,458       —    
         

Derivative instrument

    (2,609     —         (2,609     —    
   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 357,035     $ 102     $ 356,933     $ —    
   

 

 

   

 

 

   

 

 

   

 

 

 
                                 
          Fair Value Measurement at Reporting Date Using  

(Dollars in thousands)

  Total     Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)
    Significant  Other
Observable
Inputs
(Level 2)
    Significant
Unobservable
Inputs
(Level 3)
 

At December 31, 2011

                               

Loans held for sale:

                               

Student loans

  $ 5,396     $ —       $ 5,396     $ —    

One-to-four family residential

    3,547       —         3,547       —    

Government guaranteed commercial real estate

    29,624       —         29,624       —    

Other loans held for sale

    128       —         128       —    

Available for sale securities:

                               

Federal agency securities

    65,553       —         65,553       —    

Obligations of state and political subdivisions

    11,103       —         11,103       —    

Residential mortgage-backed securities

    182,147       —         182,147       —    

Equity securities

    1,297       80       1,217       —    

Derivative instrument

    (2,834     —         (2,834     —    
   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 295,961     $ 80     $ 295,881     $ —    
   

 

 

   

 

 

   

 

 

   

 

 

 

Certain financial assets are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). These assets are recorded at the lower of cost or fair value. Valuation methodologies for assets measured on a nonrecurring basis are as follows:

Impaired loans – Certain impaired loans are reported at the fair value of the underlying collateral if repayment is expected solely from collateral. Collateral values are estimated using Level 2 inputs based on third-party appraisals or Level 3 inputs based on customized discounting criteria. Certain other impaired loans are remeasured and reported through a specific valuation allowance allocation of the allowance for loan losses based upon the net present value of cash flows.

Other real estate – Other real estate fair value is based on third-party appraisals for significant properties less the estimated costs to sell the asset.

Goodwill – Fair value of goodwill is based on the fair value of each of Southwest’s reporting units to which goodwill is allocated compared with their respective carrying value. There has been no impairment during 2012 or 2011; therefore, no fair value adjustment was recorded through earnings.

Core deposit premiums – The fair value of core deposit premiums are based on third-party appraisals. There has been no impairment during 2012 or 2011; therefore, no fair value adjustment was recorded through earnings.

Mortgage loan servicing rights – There is no active trading market for loan servicing rights. The fair value of loan servicing rights is estimated by calculating the present value of net servicing revenue over the anticipated life of each loan. A cash flow model is used to determine fair value. Key assumptions and estimates, including projected prepayment speeds and assumed servicing costs, earnings on escrow deposits, ancillary income, and discount rates, used by this model are based on current market sources. A separate third party model is used to estimate prepayment speeds based on interest rates, housing turnover rates, estimated loan curtailment, anticipated defaults, and other relevant factors. The prepayment model is updated for changes in market conditions.

Assets that are measured at fair value on a nonrecurring basis as of March 31, 2012 and December 31, 2011 are summarized below.

 

                                         
          Fair Value Measurements Using        

(Dollars in thousands)

  Fair Value
Total
    Quoted Prices in
Active Markets
for Identical
Assets

(Level 1)
    Significant
Other
Observable
Inputs
(Level 2)
    Significant
Unobservable
Inputs

(Level 3)
    Total Gains
(Losses)
 
At March 31, 2012                                        

Noncovered impaired loans at fair value :

                                       

Commercial real estate

  $ 17,917     $ —       $ 17,917     $ —       $ (2,375

One-to-four family residential

    1,169       —         1,169       —         94  

Real estate construction

    244       —         244       —         3,507  

Commercial

    2,672       —         2,672       —         184  

Other consumer

    108       —         108       —         5  
           

Covered other real estate

    4,694       —         4,694       —         (25
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 26,804     $ —       $ 26,804     $ —       $ 1,390  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
At December 31, 2011                                        

Noncovered impaired loans at fair value :

                                       

Commercial real estate

  $ 3,716     $ —       $ 3,716     $ —       $ (1,727

One-to-four family residential

    604       —         604       —         (55

Real estate construction

    3,877       —         3,877               (3,569

Commercial

    3,239       —         3,239       —         (1,964

Other consumer

    112       —         112       —         (103
           

Noncovered other real estate

    19,844       —         19,844       —         (3,104

Mortgage loan servicing rights

    1,817       —         1,817       —         (315
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 33,209     $ —       $ 33,209     $ —       $ (10,837
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Noncovered impaired loans measured at fair value with a carrying amount of $27.9 million were written down to a fair value of $21.7 million, resulting in a life-to-date impairment of $6.3 million, of which $1.4 million was included in the provision for loan losses for the three months ended March 31, 2012. As of December 31, 2011, noncovered impaired loans measured at fair value with a carrying amount of $19.7 million were written down to the fair value of $11.5 million at December 31, 2011, resulting in a life-to-date impairment charge of $8.1 million, of which $7.4 million was included in the provision for loan losses for the year ended December 31, 2011.

During the quarter, covered other real estate assets were written down to their fair values, resulting in an impairment charge of approximately $25,000, which was included in noninterest expense for the three months ended March 31, 2012. In the prior year, noncovered other real estate assets were written down to their respective fair values, resulting in impairment charges of $3.1 million, which was included in noninterest expense for the year ended December 31, 2011 and mortgage loan servicing rights were written down to their fair value, resulting in impairment charges of $0.3 million, which was included in noninterest income for the year ended December 31, 2011.

ASC 825, Financial Instruments, requires an entity to provide disclosures about fair value of financial instruments, including those that are not measured and reported at fair value on a recurring or nonrecurring basis. The methodologies used in estimating the fair value of financial instruments that are measured on a recurring or nonrecurring basis are discussed above. The methodologies for the other financial instruments are discussed below:

Cash and cash equivalents – For cash and cash equivalents, the carrying amount is a reasonable estimate of fair value.

Securities held to maturity – The investment securities held to maturity are carried at cost. The fair value of the held to maturity securities is estimated based on quoted market prices or dealer quotes.

Loans – Fair values are estimated for certain homogenous categories of loans adjusted for differences in loan characteristics. Southwest’s loans have been aggregated by categories consisting of commercial, real estate, student, and other consumer. The fair value of loans is estimated by discounting the cash flows using risks inherent in the loan category and interest rates currently offered for loans with similar terms and credit risks.

Accrued interest receivable – The carrying amount is a reasonable estimate of fair value for accrued interest receivable.

 

Investment included in other assets – The estimated fair value of investments included in other assets, which primarily consists of investments carried at cost, approximates their carrying values.

Deposits – The fair value of demand deposits, savings accounts, and certain money market deposits is the amount payable on demand at the statement of financial condition date. The fair value of fixed maturity certificates of deposit is estimated using the rates currently offered for deposits of similar remaining maturities.

Other liabilities and accrued interest payable – The estimated fair value of other liabilities, which primarily includes trade accounts payable, and accrued interest payable approximates their carrying values.

Other borrowings – Included in other borrowings are FHLB advances, securities sold under agreements to repurchase, and treasury tax and loan demand notes. The fair value for fixed rate FHLB advances is based upon discounted cash flow analysis using interest rates currently being offered for similar instruments. The fair values of other borrowings are the amounts payable at the statement of financial condition date, as the carrying amount is a reasonable estimate of fair value due to the short-term maturity rates.

Subordinated debentures – Two subordinated debentures have floating rates that reset quarterly and the third subordinated debenture has a fixed rate. The fair value of the fixed rate subordinated debenture is based on market price. The fair value of the floating rate subordinated debentures approximates carrying value at March 31, 2012. The fair value of the floating rate subordinated debentures at December 31, 2011 was estimated by taking into consideration the liquidity discount implied by the market price of the fixed rate subordinated debenture at December 31, 2011.

The carrying values and estimated fair values of Southwest’s financial instruments segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value, were as follows:

 

                                 
    At March 31, 2012     At December 31, 2011  

(Dollars in thousands)

  Carrying
Values
    Fair
Values
    Carrying
Values
    Fair
Values
 

Financial assets:

                               

Level 2 inputs:

                               

Cash and cash equivalents

  $ 191,463     $ 191,463     $ 30,247     $ 30,247  

Securities held to maturity

    12,981       13,564       15,252       15,885  

Accrued interest receivable

    7,408       7,408       7,176       7,176  

Investments included in other assets

    10,457       10,457       10,454       10,454  

Level 3 inputs:

                               

Total loans, net of allowance

    1,597,862       1,548,701       1,718,804       1,708,894  

Financial liabilities:

                               

Level 2 inputs:

                               

Deposits

    1,806,780       1,759,513       1,921,382       1,883,196  

Accrued interest payable

    5,016       5,016       3,689       3,689  

Other liabilities

    10,711       10,711       9,340       9,340  

Derivative instrument

    2,609       2,609       2,834       2,834  

Other borrowings

    55,139       59,139       56,479       60,688  

Subordinated debentures

    81,963       82,791       81,963       72,423  
XML 27 R15.htm IDEA: XBRL DOCUMENT v2.4.0.6
Operating Segments
3 Months Ended
Mar. 31, 2012
Operating Segments [Abstract]  
OPERATING SEGMENTS

NOTE 8: OPERATING SEGMENTS

Southwest operates six principal segments: Oklahoma Banking, Texas Banking, Kansas Banking, Out of Market, Secondary Market, and Other Operations. The Oklahoma Banking segment, the Texas Banking segment, and the Kansas Banking segment provide deposit and lending services to customers in the states of Oklahoma, Texas, and Kansas. The Out of Market segment provides lending services to customers outside Oklahoma, Texas, and Kansas. The Secondary Market segment consists of three operating units: one that provides student lending services to post-secondary students in Oklahoma and several other states, one that provides residential mortgage lending services to customers in Oklahoma, Texas, and Kansas, and one that provides United States Department of Agriculture (“USDA”) government guaranteed commercial real estate lending services to rural healthcare providers. Other Operations includes Southwest’s funds management unit, SNB Wealth Management and corporate investments.

The primary purpose of the funds management unit is to manage Southwest’s overall internal liquidity needs and interest rate risk. Each segment borrows funds from or provides funds to the funds management unit as needed to support its operations. The value of funds provided to and the cost of funds borrowed from the funds management unit by each segment are internally priced at rates that approximate market rates for funds with similar duration. The yield used in the funds transfer pricing curve is a blend of rates based on the volume usage of retail and brokered certificates of deposit and Federal Home Loan Bank advances.

Southwest identifies reportable segments by type of service provided and geographic location. Operating results are adjusted for borrowings, allocated service costs, and management fees. Portfolio loans are allocated based upon the state of the borrower or the location of the real estate in the case of real estate loans. Loans included in the Out of Market segment are portfolio loans attributable to thirty-two states other than Oklahoma, Texas, or Kansas and primarily consist of healthcare and commercial real estate credits. These out of state loans are administered by offices in Oklahoma, Texas, or Kansas.

The accounting policies of each reportable segment are the same as those of Southwest. Expenses for consolidated back-office operations are allocated to operating segments based on estimated uses of those services. General overhead expenses such as executive administration, accounting, and audit are allocated based on the direct expense and/or deposit and loan volumes of the operating segment. Income tax expense for the operating segments is calculated at statutory rates. The Other Operations segment records the tax expense or benefit necessary to reconcile to the consolidated financial statements.

Capital is assigned to each of the segments using a risk-based capital pricing methodology that assigns capital ratios by asset, deposit, or revenue category based on credit risk, interest rate risk, market risk, operational risk, and liquidity risk.

 

The following table summarizes financial results by operating segment:

 

                                                         

For the Three Months Ended March 31, 2012

 

(Dollars in thousands)

  Oklahoma
Banking
    Texas
Banking
    Kansas
Banking
    Out of
Market
    Secondary
Market
    Other
Operations
    Total
Company
 

Net interest income

  $ 9,940     $ 8,340     $ 3,263     $ 1,396     $ 389     $ (2,479   $ 20,849  

Provision for loan losses

    (117     687       (983     2,129       —         —         1,716  

Noninterest income

    1,746       451       514       47       550       206       3,514  

Noninterest expenses

    6,750       3,046       2,778       226       481       1,028       14,309  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Income (loss) before taxes

    5,053       5,058       1,982       (912     458       (3,301     8,338  

Taxes on income

    1,895       1,897       743       (342     172       (1,238     3,127  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income (loss)

  $ 3,158     $ 3,161     $ 1,239     $ (570   $ 286     $ (2,063   $ 5,211  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Fixed asset expenditures

  $ 139     $ 63     $ 7     $ —       $ —       $ 366     $ 575  

Total loans at period end

    642,700       636,540       202,050       122,890       38,765       —         1,642,945  

Total assets at period end

    679,457       636,395       215,985       120,527       41,112       580,385       2,273,861  

Total deposits at period end

    1,367,160       151,856       267,630       —         3,274       16,860       1,806,780  

 

                                                         

For the Three Months Ended March 31, 2011

 

(Dollars in thousands)

  Oklahoma
Banking
    Texas
Banking
    Kansas
Banking
    Out of
Market
    Secondary
Market
    Other
Operations
    Total
Company
 

Net interest income

  $ 10,997     $ 10,091     $ 3,369     $ 1,882     $ 311     $ (1,229   $ 25,421  

Provision for loan losses

    225       5,008       815       3,002       —         —         9,050  

Noninterest income

    1,873       424       529       53       145       225       3,249  

Noninterest expenses

    6,998       3,727       2,870       455       478       1,097       15,625  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Income (loss) before taxes

    5,647       1,780       213       (1,522     (22     (2,101     3,995  

Taxes on income

    2,212       701       82       (598     (9     (854     1,534  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income (loss)

  $ 3,435     $ 1,079     $ 131     $ (924   $ (13   $ (1,247   $ 2,461  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Fixed asset expenditures

  $ 19     $ —       $ 28     $ —       $ 3     $ 457     $ 507  

Total loans at period end

    838,006       953,123       272,685       226,383       37,348       —         2,327,545  

Total assets at period end

    862,907       946,457       296,567       221,007       39,139       412,951       2,779,028  

Total deposits at period end

    1,527,731       166,734       275,381       —         2,394       246,331       2,218,571  
XML 28 R13.htm IDEA: XBRL DOCUMENT v2.4.0.6
Taxes on Income
3 Months Ended
Mar. 31, 2012
Taxes on Income [Abstract]  
TAXES ON INCOME

NOTE 6: TAXES ON INCOME

Net deferred tax assets totaled $37.7 million at March 31, 2012 and $43.7 at December 31, 2011. Net deferred tax assets are included in other assets and no valuation allowance is recorded.

Southwest is in a cumulative pretax loss position for the trailing three-year period ended March 31, 2012. Under current accounting guidance, this represents significant negative evidence in the determination of the need for a valuation allowance. Included in the three-year pretax loss position is $101.0 million related to the nonrecurring sale of nonperforming assets and potential problem loans that occurred in fourth quarter 2011.

Southwest conducted an interim analysis to assess the need for a valuation allowance at March 31, 2012. As part of this analysis management considered negative evidence associated with the trailing cumulative loss position against positive evidence associated with the taxable income generated in the first three months of 2012, a long history of taxable income, the projected current federal income tax receivable, and projected pre-tax income in future years. While realization of the deferred tax benefit is not assured, it is management’s judgment, after review of all available evidence and based on the weight of such evidence, that a valuation allowance is not required as realization of these benefits meets the “more likely than not” standard under generally accepted accounting principles.

Southwest and its subsidiaries file income tax returns in the U.S. federal jurisdiction and various state jurisdictions. Southwest is no longer subject to U.S. federal or state tax examinations for years before 2009. On February 15, 2012, Southwest was notified by the Internal Revenue Service that it was under audit for the 2009 income tax filing.

XML 29 R14.htm IDEA: XBRL DOCUMENT v2.4.0.6
Earnings Per Share
3 Months Ended
Mar. 31, 2012
Earnings Per Share [Abstract]  
EARNINGS PER SHARE

NOTE 7: EARNINGS PER SHARE

Earnings per common share is computed using the two-class method prescribed by ASC 260, Earnings Per Share. Using the two-class method, basic earnings per common share is computed based upon net income available to common shareholders divided by the weighted average number of common shares outstanding during each period, which excludes outstanding unvested restricted stock. Diluted earnings per share is computed using the weighted average number of common shares determined for the basic earnings per common share computation plus the dilutive effect of stock options using the treasury stock method. Stock options and warrants with exercise prices greater than the average market price of common shares were not included in the computation of earnings per diluted share as they would have been antidilutive. On March 31, 2012 and 2011, there were 19,500 and 135,166 antidilutive stock options to purchase common shares, respectively. An antidilutive warrant to purchase 703,753 shares of common stock was also outstanding on March 31, 2012.

 

The following table sets forth the computation of basic and diluted earnings per common share:

 

                 
   

For the three months

ended March 31,

 

(Dollars in thousands, except earnings per share data)

  2012     2011  

Numerator:

               

Net income

  $ 5,211     $ 2,461  

Preferred dividend

    (903     (875

Warrant amortization

    (189     (178
   

 

 

   

 

 

 

Net income available to common shareholders

  $ 4,119     $ 1,408  

Earnings allocated to participating securities

    —         (2
   

 

 

   

 

 

 

Numerator for basic earnings per common share

  $ 4,119     $ 1,406  

Effect of reallocating undistributed earnings of participating securities

    —         —    
   

 

 

   

 

 

 

Numerator for diluted earnings per common share

  $ 4,119     $ 1,406  

Denominator:

               

Denominator for basic earnings per common share - Weighted average common shares outstanding

    19,444,698       19,409,317  

Effect of dilutive securities:

               

Stock options

    —         3,967  

Warrant

    —         —    
   

 

 

   

 

 

 

Denominator for diluted earnings per common share

    19,444,698       19,413,284  

Earnings per common share:

               

Basic

  $ 0.21     $ 0.07  
   

 

 

   

 

 

 

Diluted

  $ 0.21     $ 0.07  
   

 

 

   

 

 

 
XML 30 R16.htm IDEA: XBRL DOCUMENT v2.4.0.6
Deferral of Interest & Dividends
3 Months Ended
Mar. 31, 2012
Deferral of Interest & Dividends [Abstract]  
DEFERRAL OF INTEREST & DIVIDENDS

NOTE 9: DEFERRAL OF INTEREST & DIVIDENDS

In July 2011, Southwest determined to suspend payments of interest on its three issues of outstanding debentures and dividends on the related trust preferred securities effective August 1, 2011.

The terms of the debentures allow Southwest to defer payments of interest for up to 20 consecutive quarterly periods without default or penalty. These terms also allow Southwest to resume payments at the end of any deferral period, or to extend the deferral up to the maximum 20 quarters in total. No deferral can extend past the maturity date of the debenture.

Interest will continue to accrue on the debentures, and dividends will continue to accrue on the related trust preferred securities.

Southwest’s trust preferred securities were issued by the following subsidiary trusts: Southwest Capital Trust II, which trades on the NASDAQ Global Select Market under the symbol “OKSBP”; OKSB Statutory Trust I; and SBI Capital Trust II. At March 31, 2012, $82.0 million of debentures were outstanding.

In addition, Southwest determined to defer payment of dividends on its Series B Preferred Securities issued under the U.S. Treasury Department’s Capital Purchase Program, effective for the dividend payments, beginning August 15, 2011. Dividends on the Preferred Securities may not be paid while interest on Southwest’s debentures has been deferred, but will continue to accrue. At March 31, 2012, $70.0 million of Preferred Securities were outstanding.

The deferrals on interest and dividends are intended to preserve liquidity at the holding company level, which may be used to inject funds in its bank subsidiaries or for other corporate purposes. Because the interest on the debentures, the dividends on the related trust preferred securities, and the dividends on the Preferred Securities will continue to accrue, these deferrals are not expected to have any significant effect on the net income or net income available to common shareholders of Southwest. As of March 31, 2012, $4.3 million was accrued for interest on the debentures and $3.1 million was accrued for dividends on the Series B Preferred Securities and included in accrued interest payable and other liabilities on the unaudited consolidated statement of financial condition, respectively.

XML 31 R5.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Comprehensive Income (Unaudited) (USD $)
In Thousands, unless otherwise specified
3 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Consolidated Statements of Comprehensive Income [Abstract]    
Net income $ 5,211 $ 2,461
Other comprehensive income:    
Unrealized holding gain on available for sale securities 114 266
Change in fair value of derivative used for cash flow hedge 225 (513)
Other comprehensive income (loss), before tax 339 (247)
Tax (expense) benefit related to items of other comprehensive income (154) 84
Other comprehensive income (loss), net of tax 185 (163)
Comprehensive income $ 5,396 $ 2,298
XML 32 R10.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and Allowance for Loan Losses
3 Months Ended
Mar. 31, 2012
Loans and Allowance for Loan Losses [Abstract]  
LOANS AND ALLOWANCE FOR LOAN LOSSES

NOTE 3: LOANS AND ALLOWANCE FOR LOAN LOSSES

Southwest extends commercial and consumer credit primarily to customers in the states of Oklahoma, Texas, and Kansas. Its commercial lending operations are concentrated in Oklahoma City, Dallas, Tulsa, and other metropolitan markets in Texas, Kansas, and Oklahoma. As a result, the collectability of Southwest’s loan portfolio can be affected by changes in the economic conditions in those states and markets. Please see Note 8: Operating Segments for more detail regarding loans by market. At March 31, 2012 and December 31, 2011, substantially all of Southwest’s loans were collateralized with real estate, inventory, accounts receivable, and/or other assets or were guaranteed by agencies of the United States government.

Southwest’s loan classifications were as follows:

 

                                 
    March 31, 2012     December 31, 2011  

(Dollars in thousands)

  Noncovered     Covered     Noncovered     Covered  

Real estate mortgage:

                               

Commercial

  $ 996,486     $ 22,607     $ 1,028,561     $ 23,686  

One-to-four family residential

    76,287       5,766       80,375       7,072  

Real estate construction:

                               

Commercial

    222,678       2,344       227,098       3,746  

One-to-four family residential

    3,814       —         4,987       —    

Commercial

    273,324       2,401       346,266       2,841  

Installment and consumer:

                               

Guaranteed student loans

    5,276       —         5,396       —    

Other

    31,766       196       33,190       270  
   

 

 

   

 

 

   

 

 

   

 

 

 
      1,609,631       33,314       1,725,873       37,615  

Less: Allowance for loan losses

    (45,023     (60     (44,233     (451
   

 

 

   

 

 

   

 

 

   

 

 

 

Total loans, net

  $ 1,564,608     $ 33,254     $ 1,681,640     $ 37,164  
   

 

 

   

 

 

   

 

 

   

 

 

 

Concentrations of Credit. At March 31, 2012, approximately $562.5 million, or 35%, of Southwest’s noncovered loans consisted of loans to individuals and businesses in the healthcare industry. Southwest does not have any other concentrations of loans to individuals or businesses involved in a single industry totaling 10% or more of total loans.

Loans Held for Sale. Southwest had loans which were held for sale of $38.8 million and $38.7 million at March 31, 2012 and December 31, 2011, respectively. These loans are carried at the lower of cost or market value. Guaranteed student loans are generally sold to a single servicer. A substantial portion of the one-to-four family residential loans and loan servicing rights are primarily sold to one investor. These mortgage loans are generally sold within a one-month period from loan closing at amounts determined by the investor commitment based upon the pricing of the loan. Southwest also provides United States Department of Agriculture (“USDA”) government guaranteed commercial real estate lending services to rural healthcare providers. These loans are available for sale in the secondary market.

Loan Servicing. Southwest earns fees for servicing real estate mortgages and other loans owned by others. The fees are generally calculated on the outstanding principal balance of the loans serviced and are recorded as noninterest income when earned. The unpaid principal balance of real estate mortgage loans serviced for others totaled $301.4 million and $281.3 million at March 31, 2012 and March 31, 2011, respectively. Loan servicing rights are capitalized based on estimated fair value at the point of origination. The servicing rights are amortized on an individual loan by loan basis over the period of estimated net servicing income.

Acquired Loans. On June 19, 2009, Bank of Kansas entered into a purchase and assumption agreement with the Federal Deposit Insurance Corporation (“FDIC”) to acquire substantially all loans as well as certain other related assets of First National Bank of Anthony, Anthony, Kansas (“FNBA”) in an FDIC-assisted transaction. Bank of Kansas and the FDIC entered into loss sharing agreements that provide Bank of Kansas with significant protection against credit losses from loans and related assets acquired in the transaction. Under these agreements, the FDIC will reimburse Bank of Kansas for 80% of net losses up to $35.0 million on covered assets, primarily acquired loans and other real estate, and for 95% of any net losses above $35.0 million. Bank of Kansas services the covered assets.

 

Loans covered under the loss sharing agreements with the FDIC, including the amounts of expected reimbursements from the FDIC under these agreements, are reported in loans and are referred to as “covered” loans. Covered loans were initially recorded at fair value (as determined by the present value of expected future cash flows) with no allowance for loan losses. Subsequent decreases in expected cash flows are recognized as impairments. Valuation allowances on these impaired loans reflect only losses incurred after the acquisition.

The expected payments from the FDIC under the loss sharing agreements are recorded as part of the covered loans in the Unaudited Consolidated Statement of Financial Condition. As of March 31, 2012, Bank of Kansas has identified $19.4 million in cumulative net losses that have been submitted to the FDIC under such loss sharing agreements.

Changes in the carrying amounts and accretable yields for ASC 310.30 loans were as follows for the three months ended March 31, 2012 and March 31, 2011.

 

                                 
    For the three months ended March 31,  
    2012     2011  

(Dollars in thousands)

  Accretable
Yield
    Carrying
amount
of loans
    Accretable
Yield
    Carrying
amount
of loans
 

Balance at beginning of period

  $ 2,402     $ 37,615     $ 2,688     $ 53,628  

Payments received

    —         (3,291     —         (3,196

Transfers to other real estate / repossessed assets

    9       (990     4       (1,008

Charge-offs

    (4     (73     7       (362

Net reclassifications to / from nonaccretable amount

    (271     —         —         —    

Amortization

    (218     53       (55     55  
   

 

 

   

 

 

   

 

 

   

 

 

 

Balance at end of period

  $ 1,918     $ 33,314     $ 2,644     $ 49,117  
   

 

 

   

 

 

   

 

 

   

 

 

 

Nonperforming / Past Due Loans. Southwest identifies past due loans based on contractual terms on a loan by loan basis and generally places loans, except for consumer loans, on nonaccrual when any portion of the principal or interest is ninety days past due and collateral is insufficient to discharge the debt in full. Interest accrual may also be discontinued earlier if, in management’s opinion, collection is unlikely. Generally, consumer installment loans are not placed on nonaccrual but are charged-off when they are four months past due. Accrued interest is written off when a loan is placed on nonaccrual status. Subsequent interest income is recorded when cash receipts are received from the borrower and collectability of the principal amount is reasonably assured.

Under generally accepted accounting principles and instructions to reports of condition and income of federal banking regulators, a nonaccrual loan may be returned to accrual status: when none of its principal and interest is due and unpaid, repayment is expected, and there has been a sustained period (at least six months) of repayment performance; when the loan is not brought current, but there is a sustained period of performance and repayment within a reasonable period is reasonably assured; or when the loan otherwise becomes well-secured and in the process of collection. Purchased impaired loans also may be returned to accrual status without becoming fully current. Loans that have been restructured because of weakened financial positions of the borrowers also may be returned to accrual status if repayment is reasonably assured under the revised terms and there has been a sustained period of repayment performance.

Management strives to carefully monitor credit quality and to identify loans that may become nonperforming. At any time, however, there are loans included in the portfolio that will result in losses to Southwest but that have not been identified as nonperforming or potential problem loans. Because the loan portfolio contains a significant number of commercial and commercial real estate loans with relatively large balances, the unexpected deterioration of one or a few such loans may cause a significant increase in nonperforming assets and may lead to a material increase in charge-offs and the provision for loan losses in future periods.

 

The following table presents the recorded investment in loans on nonaccrual status.

 

                                 
    At March 31, 2012     At December 31, 2011  

(Dollars in thousands)

  Noncovered     Covered     Noncovered     Covered  

Real estate mortgage:

                               

Commercial

  $ 6,821     $ 4,870     $ 4,667     $ 3,554  

One-to-four family residential

    1,508       151       1,468       188  

Real estate construction:

                               

Commercial

    3,768       1,647       3,877       3,009  

Commercial

    2,109       343       3,371       370  

Other consumer

    118       4       123       7  
   

 

 

   

 

 

   

 

 

   

 

 

 

Total nonaccrual loans

  $ 14,324     $ 7,015     $ 13,506     $ 7,128  
   

 

 

   

 

 

   

 

 

   

 

 

 

During the first three months of 2012, $51,000 of interest income was received on nonaccruing loans. If interest on all nonaccrual loans had been accrued for the three months ended March 31, 2012, additional interest income of $0.3 million would have been recorded.

Cumulative charge-offs against noncovered nonaccrual loans at March 31, 2012 and December 31, 2011 were $14.9 million and $13.6 million, respectively.

As of March 31, 2012 and December 31, 2011, included in noncovered nonaccrual loans are five collateral dependent lending relationships with aggregate principal balances of approximately $9.6 million and $9.3 million, respectively, and related impairment reserves of $0.6 million and $0.4 million, respectively, which were established either based on recent appraisal values obtained for the respective properties or the discounted present value of expected cash flows using the loan’s initial effective interest rate. Four of these lending relationships are secured by commercial real estate and include a retail building project with one loan outstanding, three commercial building lending relationships, two with one loan outstanding and the other with three loans outstanding, and a commercial relationship with one loan outstanding.

The following table presents an age analysis of past due loans at March 31, 2012 and December 31, 2011.

 

                                                 

(Dollars in thousands)

  30-89 days
past due
    90 days  and
greater
past due
    Total past
due
    Current     Total
loans
    Recorded loans
> 90 days and
accruing
 

At March 31, 2012

                                               

Noncovered:

                                               

Real estate mortgage:

                                               

Commercial

  $ 6,455     $ 6,821     $ 13,276     $ 983,210     $ 996,486     $ —    

One-to-four family residential

    326       1,508       1,834       74,453       76,287       —    

Real estate construction:

                                               

Commercial

    1,346       3,768       5,114       217,564       222,678       —    

One-to-four family residential

    —         —         —         3,814       3,814       —    

Commercial

    12,512       2,209       14,721       258,603       273,324       100  

Other

    426       118       544       36,498       37,042       —    
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total - noncovered

    21,065       14,424       35,489       1,574,142       1,609,631       100  

Covered:

                                               

Real estate mortgage:

                                               

Commercial

    —         4,870       4,870       17,737       22,607       —    

One-to-four family residential

    43       151       194       5,572       5,766       —    

Real estate construction:

                                               

Commercial

    —         1,647       1,647       697       2,344       —    

Commercial

    —         343       343       2,058       2,401       —    

Other

    —         4       4       192       196       —    
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total - covered

    43       7,015       7,058       26,256       33,314       —    
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 21,108     $ 21,439     $ 42,547     $ 1,600,398     $ 1,642,945     $ 100  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

                                                 

(Dollars in thousands)

  30-89 days
past due
    Greater
than 90 days
past due
    Total past
due
    Current     Total
loans
    Recorded loans
> 90 days and
accruing
 
At December 31, 2011                                                

Noncovered:

                                               

Real estate mortgage:

                                               

Commercial

  $ 2,567     $ 4,667     $ 7,234     $ 1,021,327     $ 1,028,561     $ —    

One-to-four family residential

    1,206       1,491       2,697       77,678       80,375       23  

Real estate construction:

                                               

Commercial

    1,825       3,877       5,702       221,396       227,098       —    

One-to-four family residential

    —         —         —         4,987       4,987       —    

Commercial

    8,331       3,374       11,705       334,561       346,266       3  

Other

    362       140       502       38,084       38,586       17  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total - noncovered

    14,291       13,549       27,840       1,698,033       1,725,873       43  

Covered:

                                               

Real estate mortgage:

                                               

Commercial real estate

    2,243       3,554       5,797       17,889       23,686       —    

One-to-four family residential

    —         188       188       6,884       7,072       —    

Real estate construction

                                               

Commercial real estate

    —         3,009       3,009       737       3,746       —    

Commercial

    —         370       370       2,471       2,841       —    

Other

    —         7       7       263       270       —    
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total - covered

    2,243       7,128       9,371       28,244       37,615       —    
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 16,534     $ 20,677     $ 37,211     $ 1,726,277     $ 1,763,488     $ 43  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Impaired Loans. A loan is considered to be impaired when, based on current information and events, it is probable that Southwest will be unable to collect all amounts due according to the contractual terms of the loan agreement. Each loan deemed to be impaired (all loans on nonaccrual status and troubled debt restructurings) is evaluated on an individual basis using the discounted present value of expected cash flows using the loan’s initial effective interest rate, the fair value of collateral, or the market value of the loan, and a specific allowance is recorded. Smaller balance, homogeneous loans, including mortgage, student, and consumer, are collectively evaluated for impairment.

Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis. Impaired loans or portions thereof, are charged-off when deemed uncollectible.

Impaired loans are presented in the following tables:

 

                                         
    With No Specific Allowance     With A Specific Allowance  

(Dollars in thousands)

  Recorded
Investment
    Unpaid
Principal
Balance
    Recorded
Investment
    Unpaid
Principal
Balance
    Related
Allowance
 
At March 31, 2012                                        

Noncovered:

                                       

Commercial real estate

  $ 16,939     $ 17,104     $ 17,917     $ 19,609     $ 4,240  

One-to-four family residential

    304       388       1,169       1,300       40  

Real estate construction

    12,380       15,979       244       260       75  

Commercial

    640       865       2,672       5,486       824  

Other

    10       11       108       120       108  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total noncovered

  $ 30,273     $ 34,347     $ 22,110     $ 26,775     $ 5,287  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Covered:

                                       

Commercial real estate

  $ 4,256     $ 4,868     $ 614     $ 702     $ 18  

One-to-four family residential

    115       174       36       105       1  

Real estate construction

    135       309       1,512       2,106       35  

Commercial

    311       1,890       32       345       6  

Other

    4       8       —         —         —    
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total covered

  $ 4,821     $ 7,249     $ 2,194     $ 3,258     $ 60  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

                                         
    With No Specific Allowance     With A Specific Allowance  

(Dollars in thousands)

  Recorded
Investment
    Unpaid
Principal
Balance
    Recorded
Investment
    Unpaid
Principal
Balance
    Related
Allowance
 
At December 31, 2011                                        

Noncovered:

                                       

Commercial real estate

  $ 17,985     $ 18,142     $ 3,716     $ 5,366     $ 411  

One-to-four family residential

    984       1,130       484       611       21  

Real estate construction

    11,735       15,244       248       262       73  

Commercial

    7,283       7,710       3,207       4,958       349  

Other

    11       12       112       123       112  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total noncovered

  $ 37,998     $ 42,238     $ 7,767     $ 11,320     $ 966  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Covered:

                                       

Commercial real estate

  $ 2,486     $ 2,670     $ 1,068     $ 1,271     $ 140  

One-to-four family residential

    118       190       70       138       5  

Real estate construction

    758       1,071       2,251       3,102       258  

Commercial

    338       542       32       350       32  

Other

    7       29       —         —         —    
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total covered

  $ 3,707     $ 4,502     $ 3,421     $ 4,861     $ 435  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

The average recorded investment and interest income recognized on impaired loans as of March 31, 2012 and March 31, 2011 is shown in the following table:

 

                                 
    At March 31,  
    2012     2011  

(Dollars in thousands)

  Average
Recorded
Investment
    Interest
Income
    Average
Recorded
Investment
    Interest
Income
 

Noncovered:

                               

Commercial real estate

  $ 25,414     $ —       $ 84,934     $ —    

One-to-four family residential

    1,475       9       2,298       1  

Real estate construction

    12,950       —         82,695       —    

Commercial

    3,659       4       17,543       44  

Other

    118       —         18       —    
   

 

 

   

 

 

   

 

 

   

 

 

 

Total noncovered

  $ 43,616     $ 13     $ 187,488     $ 45  
   

 

 

   

 

 

   

 

 

   

 

 

 

Covered:

                               

Commercial real estate

  $ 21,267     $ 38     $ 29,998     $ —    

One-to-four family residential

    6,681       —         8,643       —    

Real estate construction

    5,244       —         6,988       —    

Commercial

    2,602       —         5,245       —    

Other

    224       —         600       —    
   

 

 

   

 

 

   

 

 

   

 

 

 

Total covered

  $ 36,018     $ 38     $ 51,474     $ —    
   

 

 

   

 

 

   

 

 

   

 

 

 

Troubled Debt Restructurings. The loan portfolio also includes certain loans that have been modified in a troubled debt restructuring, where economic concessions have been granted to borrowers who have experienced financial difficulties. These concessions typically result from loss mitigation activities and can include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions. Troubled debt restructurings are classified as impaired at the time of restructuring and classified as nonperforming, potential problem, or performing restructured as applicable. Typically loans modified in a trouble debt restructuring are returned to performing status after considering the borrower’s sustained repayment for a reasonable period of at least six months.

When Southwest modifies loans in a troubled debt restructuring, an evaluation of any possible impairment is performed similar to other impaired loans based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan agreement, or use of the current fair value of the collateral, less selling costs for collateral dependent loans. If it is determined that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. In periods subsequent to modification, all loans modified in troubled debt restructurings are evaluated, including those that have payment defaults, for possible impairment.

 

Troubled debt restructurings of loans that occurred during the three months ended March 31, 2012 and March 31, 2011 are shown in the following table:

 

                 

(Dollars in thousands)

  Number of
Modifications
    Recorded
Investment
 
For the three months ended March 31, 2012                

Commercial real estate

    1     $ 12,035  

One-to-four family residential

    1       99  

Real estate construction

    1       973  

Commercial

    2       343  
   

 

 

   

 

 

 

Total

    5     $ 13,450  
   

 

 

   

 

 

 
For the three months ended March 31, 2011                

Commercial real estate

    1     $ 3,721  

Commercial

    4       3,978  
   

 

 

   

 

 

 

Total

    5     $ 7,699  
   

 

 

   

 

 

 

The modifications of loans identified as troubled debt restructurings primarily related to payment extensions and/or reductions in the interest rate. The financial impact of troubled debt restructurings is not significant. Southwest has no significant commitments to lend additional amounts with respect to these performing troubled debt restructured loans.

For the three months ended March 31, 2012, two commercial loans that were modified as troubled debt restructurings with a total recorded investment of $0.1 million have subsequently defaulted. Default, for this purpose, is deemed to occur when a loan is 90 days or more past due or transferred to nonaccrual and is within twelve months of restructuring. For the three months ended March 31, 2011, there were no defaults on any loans that were modified as troubled debt restructurings during the preceding twelve months.

Credit Quality Indicators. To assess the credit quality of loans, Southwest categorizes loans into risk categories based on relevant information about the ability of the borrowers to service their debts such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. This analysis is performed on a quarterly basis. Southwest uses the following definitions for risk ratings:

Special mention – Loans classified as special mention have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for these loans or of the institution’s credit position at some future date.

Substandard – Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligors or of the collateral pledged, if any. Loans so classified have one or more well-defined weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that Southwest will sustain some loss if the deficiencies are not corrected. These loans are considered potential nonperforming or nonperforming loans depending on the accrual status of the loans.

Doubtful – Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. These loans are considered nonperforming.

 

Loans not meeting the criteria above that are analyzed as part of the above described process are considered to be pass rated loans. As of March 31, 2012 and December 31, 2011, and based on the most recent analysis performed as of those dates, the risk category of loans by class of loans is as follows:

 

                                                 

(Dollars in thousands)

  Commercial
Real Estate
    1-4 Family
Residential
    Real Estate
Construction
    Commercial     Other     Total  

At March 31, 2012

                                               

Grade:

                                               

Pass

  $ 853,902     $ 76,714     $ 149,498     $ 236,691     $ 36,889     $ 1,353,694  

Special Mention

    85,674       2,393       40,141       13,136       225       141,569  

Substandard

    77,723       2,946       39,197       24,878       124       144,868  

Doubtful

    1,794       —         —         1,020       —         2,814  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 1,019,093     $ 82,053     $ 228,836     $ 275,725     $ 37,238     $ 1,642,945  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

                                                 

(Dollars in thousands)

  Commercial
Real Estate
    1-4 Family
Residential
    Real Estate
Construction
    Commercial     Other     Total  

At December 31, 2011

                                               

Grade:

                                               

Pass

  $ 927,652     $ 84,475     $ 139,431     $ 301,636     $ 38,202     $ 1,491,396  

Special Mention

    60,000       564       46,126       11,345       642       118,677  

Substandard

    62,790       2,408       50,136       35,164       12       150,510  

Doubtful

    1,805       —         138       962       —         2,905  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 1,052,247     $ 87,447     $ 235,831     $ 349,107     $ 38,856     $ 1,763,488  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Allowance for Loan Losses. The allowance for loan losses is a reserve established through a provision for loan losses charged to operations. Loan amounts which are determined to be uncollectible are charged against this allowance, and recoveries, if any, are added to the allowance. The appropriate amount of the allowance is based on continuous review and evaluation of the loan portfolio and ongoing, quarterly assessments of the probable losses inherent in the loan and lease portfolio. The amount of the loan loss provision for a period is based solely upon the amount needed to cause the allowance to reach the level deemed appropriate after the effects of net charge-offs for the period.

Management believes the level of the allowance is appropriate to absorb probable losses inherent in the loan portfolio. The allowance for loan losses is determined in accordance with regulatory guidelines and generally accepted accounting principles and is comprised of two primary components, specific and general. There is no one factor, or group of factors, that produces the amount of an appropriate allowance for loan losses, as the methodology for assessing the allowance for loan losses makes use of evaluations of individual impaired loans along with other factors and analysis of loan categories. This assessment is highly qualitative and relies upon judgments and estimates by management.

The specific allowance is recorded based on the result of an evaluation consistent with ASC 310.10.35, Receivables: Subsequent Measurement, for each impaired loan. Collateral dependent loans are evaluated for impairment based upon the fair value of the collateral. The amount and level of the impairment allowance is ultimately determined by management’s estimate of the amount of expected future cash flows or, if the loan is collateral dependent, on the value of collateral, which may vary from period to period depending on changes in the financial condition of the borrower or changes in the estimated value of the collateral. Charge-offs against the allowance for impaired loans are made when and to the extent loans are deemed uncollectible. Any portion of a collateral dependent impaired loan in excess of the fair value of the collateral that is determined to be uncollectible is charged off.

The general component of the allowance is calculated based on ASC 450, Contingencies. Loans not evaluated for specific allowance are segmented into loan pools by type of loan. The commercial real estate and real estate construction pools are further segmented by the market in which the loan collateral is located. Our primary markets are Oklahoma, Texas, and Kansas, and loans secured by real estate in those states are included in the “in-market” pool, with the remaining defaulting to the “out-of-market” pool. Estimated allowances are based on historical loss trends with adjustments factored in based on qualitative risk factors both internal and external to Southwest. The historical loss trend is determined by loan pool and segmentation and is based on the actual loss history experienced by Southwest over the most recent three years. The qualitative risk factors include, but are not limited to, economic and business conditions, changes in lending staff, lending policies and procedures, quality of loan review, changes in the nature and volume of the portfolios, loss and recovery trends, asset quality trends, and legal and regulatory considerations.

Independent appraisals on real estate collateral securing loans are obtained at origination. New appraisals are obtained periodically and following discovery of factors that may significantly affect the value of the collateral. Appraisals typically are received within 30 days of request. Results of appraisals on nonperforming and potential problem loans are reviewed promptly upon receipt and considered in the determination of the allowance for loan losses. Southwest is not aware of any significant time lapses in the process that have resulted, or would result in, a significant delay in determination of a credit weakness, the identification of a loan as nonperforming, or the measurement of an impairment.

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio classification disaggregated on the basis of impairment evaluation method.

 

                                                 

(Dollars in thousands)

  Commercial
Real Estate
    1-4 Family
Residential
    Real Estate
Construction
    Commercial     Other     Total  

At March 31, 2012

                                               

Balance at beginning of period

  $ 21,749     $ 1,016     $ 11,177     $ 9,827     $ 915     $ 44,684  

Loans charged-off

    (25     (158     —         (1,483     (270     (1,936

Recoveries

    11       35       42       272       259       619  

Provision for loan losses

    2,052       60       73       (419     (50     1,716  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Balance at end of period

  $ 23,787     $ 953     $ 11,292     $ 8,197     $ 854     $ 45,083  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Allowance for loan losses ending balance:

                                               

Individually evaluated for impairment

  $ 4,240     $ 40     $ 75     $ 824     $ 108     $ 5,287  

Collectively evaluated for impairment

    19,529       912       11,182       7,367       746       39,736  

Acquired with deteriorated credit quality

    18       1       35       6       —         60  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total ending allowance balance

  $ 23,787     $ 953     $ 11,292     $ 8,197     $ 854     $ 45,083  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Loans receivable ending balance:

                                               

Individually evaluated for impairment

  $ 34,856     $ 1,473     $ 12,624     $ 3,312     $ 118     $ 52,383  

Collectively evaluated for impairment

    961,630       74,814       213,868       270,012       36,924       1,557,248  

Acquired with deteriorated credit quality

    22,607       5,766       2,344       2,401       196       33,314  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total ending loans balance

  $ 1,019,093     $ 82,053     $ 228,836     $ 275,725     $ 37,238     $ 1,642,945  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

At March 31, 2011

                                               

Balance at beginning of period

  $ 32,508     $ 1,597     $ 19,605     $ 10,605     $ 914     $ 65,229  

Loans charged-off

    (7,325     (83     (1,134     (4,526     (324     (13,392

Recoveries

    35       25       122       189       27       398  

Provision for loan losses

    4,850       (122     (1,174     5,234       262       9,050  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Balance at end of period

  $ 30,068     $ 1,417     $ 17,419     $ 11,502     $ 879     $ 61,285  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Allowance for loan losses ending balances:

                                               

Individually evaluated for impairment

  $ 8,971     $ 197     $ 5,297     $ 5,977     $ 7     $ 20,449  

Collectively evaluated for impairment

    21,097       1,220       12,122       5,525       872       40,836  

Acquired with deteriorated credit quality

    —         —         —         —         —         —    
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total ending allowance balance

  $ 30,068     $ 1,417     $ 17,419     $ 11,502     $ 879     $ 61,285  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Loans receivable ending balance:

                                               

Individually evaluated for impairment

  $ 94,403     $ 2,634     $ 83,183     $ 24,664     $ 27     $ 204,911  

Collectively evaluated for impairment

    1,207,761       84,652       347,210       391,728       42,166       2,073,517  

Acquired with deteriorated credit quality

    28,929       8,192       6,425       5,021       550       49,117  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total ending loans balance

  $ 1,331,093     $ 95,478     $ 436,818     $ 421,413     $ 42,743     $ 2,327,545  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
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