Shamrock Bank, N.A. in Coalgate, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Shamrock Bank, N.A. - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 85Total employees (full-time equivalent)
  • $258,213Total assets
  • $12,644Cash and due from depository institutions
  • $3,021Interest-bearing balances
  • $112,096Securities
  • $403Federal funds sold & reverse repurchase agreements
  • $123,376Net loans & leases
  • $1,716Loan loss allowance
  • $0Trading account assets
  • $4,188Bank premises and fixed assets
  • $75Other real estate owned
  • $775Goodwill and other intangibles
  • $258,213Life insurance assets
  • $4,656All other assets
  • $228,283Total liabilities and capital
  • $227,427Total liabilities
  • $166,435Total deposits
  • $227,427Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $856Subordinated debt
  • $29,930All other liabilities
  • $29,930Total equity capital
  • $29,930Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $8,845Surplus
  • $20,285Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,226Income earned, not collected on loans
  • $0Earning assets
  • $1,730Long-term assets (5+ years)
  • $238,896Average Assets, year-to-date
  • $115,539Average Assets, quarterly
  • $252,307Volatile liabilities
  • $257,749Insider loans
  • $157,647FHLB advances
  • $257,276Loans and leases held for sale
  • $1,246Unused loan commitments
  • $1,246Tier 1 (core) risk-based capital
  • $26,416Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,385Restructured Loans and leases
  • $63Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,171Total interest income
  • $1,372Total interest expense
  • $9,799Net interest income
  • $225Provision for loan and lease losses
  • $2,037Total noninterest income
  • $0Fiduciary activities
  • $1,153Service charges on deposit accounts
  • $0Trading account gains & fees
  • $884Additional noninterest income
  • $8,111Total noninterest expense
  • $4,981Salaries and employee benefits
  • $957Premises and equipment expense
  • $2,173Additional noninterest expense
  • $3,500Pre-tax net operating income
  • $122Securities gains (losses)
  • $0Applicable income taxes
  • $3,622Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,622Net income attributable to bank
  • $0Net charge-offs
  • $3,622Cash dividends
  • $144Sale, conversion, retirement of capital stock, net
  • $2,300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 3.49%Noninterest expense to earning assets
  • 1.39%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 12.50%Return on equity (ROE)
  • 4.56%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 156.25%Credit loss provision to net charge-offs
  • 25.87%Efficiency ratio
  • 68,528Assets per employee
  • 3.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.50%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 139.97%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.98%Net loans and leases to deposits
  • 54.25%Net loans and leases to core deposits
  • 57.19%Equity capital to assets
  • 11.59%Core capital (leverage) ratio
  • 10.27%Tier 1 risk-based capital ratio
  • 16.76%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $252,307Average earning assets
  • $28,985Average equity
  • $232,446Average loans

List of branches

  • 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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