Shamrock Bank, N.A. in Coalgate, Oklahoma (OK)



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Shamrock Bank, N.A. routing number info

Table of contents:
Shamrock Bank, N.A.
GeneralFDIC Certificate #: 4236
Status: Active
Federal Reserve ID: 300353
Bank Holding Company (Regulatory Top Holder): Shamrock Bancshares Employee Stock Ownership Plan (RSSDID: 2996648, Location: Coalgate, OK)
Date Established: January 01, 1924
WWW: http://www.shamrockbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 52306
FDIC's unique #: 2780
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 101 North Main Street, Coalgate, OK 74538
County: Coal
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $258.2 mil
Equity capital: $29.9 mil
Deposits held in domestic offices: $227.4 mil
Return on assets (ROA): 1.44% ($3.7 mil)
Quarterly return on assets: 1.08% ($2.8 mil)
Return on Equity (ROE): 12.50% ($3.8 mil)
Quarterly return on equity: 9.19% ($2.8 mil)
Net income: $3.6 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.44% ($3,718.3 mil)
Quarterly Pretax return on assets: 1.08% ($2,788.7 mil)

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

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)85
Total assets$258,213
Cash and due from depository institutions$12,644
Interest-bearing balances$3,021
Securities$112,096
Federal funds sold & reverse repurchase agreements$403
Net loans & leases$123,376
Loan loss allowance $1,716
Trading account assets$0
Bank premises and fixed assets$4,188
Other real estate owned$75
Goodwill and other intangibles$775
All other assets$4,656
Life insurance assets$258,213
Total liabilities and capital$228,283
Total liabilities$227,427
Total deposits$166,435
Interest-bearing deposits$227,427
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $856
All other liabilities $29,930
Total equity capital$29,930
Total bank equity capital$29,930
Perpetual preferred stock$0
Common stock$800
Surplus$8,845
Undivided profits $20,285
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,226
Earning assets $0
Long-term assets (5+ years) $1,730
Average Assets, year-to-date $238,896
Average Assets, quarterly $115,539
Volatile liabilities $252,307
Insider loans $257,749
FHLB advances $157,647
Loans and leases held for sale $257,276
Unused loan commitments $1,246
Tier 1 (core) risk-based capital $1,246
Tier 2 risk-based capital $26,416
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,385
Derivatives$63
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,171
Total interest expense $1,372
Net interest income $9,799
Provision for loan and lease losses $225
Total noninterest income $2,037
Fiduciary activities $0
Service charges on deposit accounts $1,153
Trading account gains & fees $0
Additional noninterest income $884
Total noninterest expense $8,111
Salaries and employee benefits $4,981
Premises and equipment expense $957
Additional noninterest expense $2,173
Pre-tax net operating income $3,500
Securities gains (losses) $122
Applicable income taxes $0
Income before extraordinary items $3,622
Extraordinary gains - net $0
Net income attributable to bank $3,622
Net charge-offs $0
Cash dividends $3,622
Sale, conversion, retirement of capital stock, net $144
Net operating income $2,300
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.81%
Cost of funding earning assets 0.59%
Net interest margin 4.22%
Noninterest income to earning assets 0.88%
Noninterest expense to earning assets 3.49%
Net operating income to assets 1.39%
Return on assets (ROA) 1.44%
Pretax return on assets 1.44%
Return on equity (ROE) 12.50%
Retained earnings to average equity (YTD only) 4.56%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 156.25%
Efficiency ratio25.87%
Assets per employee$68,528
Cash dividends to net income (YTD only)3.04%
Condition Ratios (%)
Loss allowance to loans 63.50%
Loss allowance to noncurrent loans 1.37%
Noncurrent assets plus other real estate owned to assets 139.97%
Noncurrent loans to loans 0.50%
Net loans and leases to deposits0.98%
Net loans and leases to core deposits 54.25%
Equity capital to assets 57.19%
Core capital (leverage) ratio 11.59%
Tier 1 risk-based capital ratio 10.27%
Total risk-based capital ratio 16.76%
Memoranda
Average assets$18
Average earning assets$252,307
Average equity $28,985
Average loans $232,446
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7 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02780Shamrock Bank, N.A.101 North Main Street, Coalgate, OK 74538January 01, 1924Full Service Brick and Mortar
12711Shamrock Bank Na Branch200 W. Main Street, Mountain View, OK 73062June 01, 1899Full Service Brick and Mortar
2363373Altus Branch401 Tamarack, Altus, OK 73521March 11, 2002Full Service Brick and Mortar
32615First Bank Of Apache Branch114 North Coblake, Apache, OK 73006January 01, 1901Full Service Brick and Mortar
5315Clayton State Bank Branch318 North Lawson, Clayton, OK 74536June 24, 1922Full Service Brick and Mortar
66318Bryan County National Bank Branch609 Buffalo Street, Caddo, OK 74729January 01, 1929Full Service Brick and Mortar
7424626Durant Branch3225 Shamrock Lane, Durant, OK 74701November 24, 2003Full Service Brick and Mortar
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