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OKSBP.PFD (Southwest Bancorp) Net Interest Margin (Bank Only) % : 3.62% (As of Jun. 2017)


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What is Southwest Bancorp Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Southwest Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Jun. 2017 was $85.48 Mil. Southwest Bancorp's average earning assets for the quarter that ended in Jun. 2017 was $2,360.34 Mil. Therefore, Southwest Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2017 was 3.62%.


Southwest Bancorp Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Southwest Bancorp's Net Interest Margin (Bank Only) % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Southwest Bancorp Net Interest Margin (Bank Only) % Chart

Southwest Bancorp Annual Data
Trend Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.13 3.75 3.86 3.45 3.57

Southwest Bancorp Quarterly Data
Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17 Jun17
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.59 3.52 3.52 3.49 3.62

Competitive Comparison of Southwest Bancorp's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Southwest Bancorp's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Southwest Bancorp's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Southwest Bancorp's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Southwest Bancorp's Net Interest Margin (Bank Only) % falls into.


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Southwest Bancorp Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Southwest Bancorp's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2016 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2016 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2015 ) + Earning Assets (A: Dec. 2016 ))/ count )
=79.443/( (2165.451 + 2286.247)/ 2 )
=79.443/2225.849
=3.57 %

where

Earning Assets(A: Dec. 2015 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1753.323 + 412.128
=2165.451

Earning Assets(A: Dec. 2016 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1849.586 + 436.661
=2286.247

Southwest Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2017 is calculated as

Net Interest Margin (Bank Only) %(Q: Jun. 2017 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Mar. 2017 ) + Earning Assets (Q: Jun. 2017 ))/ count )
=85.48/( (2341.953 + 2378.729)/ 2 )
=85.48/2360.341
=3.62 %

where

Earning Assets(Q: Mar. 2017 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1908.9 + 433.053
=2341.953

Earning Assets(Q: Jun. 2017 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1944.316 + 434.413
=2378.729

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is four times the quarterly (Jun. 2017) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Southwest Bancorp  (NAS:OKSBP.PFD) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Southwest Bancorp Net Interest Margin (Bank Only) % Related Terms

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Southwest Bancorp Business Description

Traded in Other Exchanges
N/A
Address
Southwest Bancorp Inc operates in the financial domain of the United States. The Company focuses on providing a range of commercial and consumer banking services, including commercial and consumer lending, deposit and investment services, specialized cash management, and other financial services and products. A holding company of Bank SNB, it places its services within four segments, namely, Oklahoma Banking, Texas Banking, Kansas Banking and Other Operations, with the Oklahoma division accounting for the major share of revenues. The Other Operations segment includes funds management and corporate investments.
Executives
Shrum Kayse M Do director 15469 S. 353RD EAST AVENUE, COWETA OK 74429
Steven C Davis director 4574 WEST TRIPLETT ROAD, GUTHRIE OK 73044
Patrice D Douglas director 1712 CROSSBOW, EDMOND OK 73034
John Thomas Danielson officer: EVP and CBO 1041 PHANTOM RIDER TRAIL, SPRING BRANCH TX 78070
Gregg S Jaynes officer: EVP, Chief HR Officer 13254 S. 114TH EAST AVE, BROKEN ARROW OK 74011
Brent Aaron Bates officer: EVP and Chief Credit Officer 603 INVERNESS COURT, NORMAN OK 73072
Priscilla J Barnes officer: SEVP and COO RR3 BOX 63A, HENNESSEY OK 73742
Mark W Funke officer: President and CEO C/O FREDERIC DORWART, 124 E FOURTH STREET, TULSA OK 74103
Shockley Joe T Jr officer: EVP and CFO 101 N BROADWAY, OKLAHOMA CITY OK 73102
Rusty Neal Laforge officer: EVP, General Counsel 3324 QUAIL CREEK ROAD, OKLAHOMA CITY OK 73120
Crockett David S Jr director 11609 VALLEYDALE, DALLAS TX 75230
James M Johnson director 672 TRAILWOOD LANE, MARIETTA GA 30064
John Cohlmia director 12804 FOX FOREST CIRCLE, OKLAHOMA CITY OK 73142
Larry J Lanie director 419 BENTLEY MANOR, SAN ANTONIO TX 78249
Thomas D Berry director 2302 W 8TH, STILLWATER OK 74074

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