FDIC Certificate #: 9877 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Shamrock Bank, N.A. (#4236) Federal Reserve ID: 299055 Date Established: January 01, 1929 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 6318 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: August 09, 2002 Last Structure Change Process Date: October 30, 2002 Last Data Update: October 30, 2002 Data Source Date: April 05, 2012
Location
Address: 609 Buffalo Street, Caddo, OK 74729 County: Bryan Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Tulsa Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Durant, OK (#20460) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $33.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
13Total employees (full-time equivalent)
$32,778Total assets
$1,064Cash and due from depository institutions
$0Interest-bearing balances
$9,217Securities
$300Federal funds sold & reverse repurchase agreements
$21,336Net loans & leases
$236Loan loss allowance
$0Trading account assets
$373Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$488All other assets
$32,778Total liabilities and capital
$29,566Total liabilities
$29,502Total deposits
$24,065Interest-bearing deposits
$29,502Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$64All other liabilities
$3,212Total equity capital
$3,212Total bank equity capital
$3,212Perpetual preferred stock
$0Common stock
$500Surplus
$500Undivided profits
Memoranda
$2,212Noncurrent loans and leases
$661Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$368Earning assets
$0Long-term assets (5+ years)
$425Average Assets, year-to-date
$30,853Average Assets, quarterly
$209Volatile liabilities
$32,867Insider loans
$33,348FHLB advances
$4,513Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$661Total unused commitments
$0Restructured Loans and leases
$236Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$2,627Total interest income
$981Total interest expense
$1,646Net interest income
$18Provision for loan and lease losses
$385Total noninterest income
$0Fiduciary activities
$338Service charges on deposit accounts
$0Trading account gains & fees
$47Additional noninterest income
$1,134Total noninterest expense
$704Salaries and employee benefits
$164Premises and equipment expense
$266Additional noninterest expense
$879Pre-tax net operating income
$0Securities gains (losses)
$283Applicable income taxes
$596Income before extraordinary items
$0Extraordinary gains - net
$596Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$28Sale, conversion, retirement of capital stock, net
$580Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.50%Yield on earning assets
3.17%Cost of funding earning assets
5.32%Net interest margin
1.25%Noninterest income to earning assets
3.67%Noninterest expense to earning assets
1.81%Net operating income to assets
1.81%Return on assets (ROA)
2.67%Pretax return on assets
17.45%Return on equity (ROE)
0.47%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
64.29%Credit loss provision to net charge-offs
32.04%Efficiency ratio
55,835Assets per employee
2.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
97.32%Loss allowance to loans
1.09%Loss allowance to noncurrent loans
64.13%Noncurrent assets plus other real estate owned to assets
1.12%Noncurrent loans to loans
1.71%Net loans and leases to deposits
72.32%Net loans and leases to core deposits
85.38%Equity capital to assets
9.80%Core capital (leverage) ratio
9.48%Tier 1 risk-based capital ratio
15.20%Total risk-based capital ratio
Memoranda
$16Average assets
$32,867Average earning assets
$3,415Average equity
$30,913Average loans
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