Shamrock Bank of Florida

Shamrock Bank of Florida is headquartered in Naples and is the 188^th largest bank in the state of Florida. It is also the 5,073^rd largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 16 employees at 2 locations. Shamrock Bank of Florida has a 4-star health rating.

Data for Q1 2012

Institution Statistics Shamrock Bank of Florida FDIC Certificate # 58553 BankRate Report View Year Established 2007 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $95.38 million Loans $60.20 million Deposits $75.77 million Equity Capital $12.50 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $3.44 million Real Estate Owned $680,000 Historic Data - March 2011 Assets $82.03 million Equity Capital $13.50 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $3.81 million Real Estate Owned $838,000 Profit Margin - Quarterly Net Interest Margin 3.25% Return on Assets 0.07% Return on Equity 0.55% Interest Income $928,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Shamrock Bank of Florida had $4.12 million in non-current loans and owned real-estate with $13.65 million in equity and loan loss allowances on hand to cover it. This gives Shamrock Bank of Florida a Texas Ratio of 30.16% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Shamrock Bank of Florida held steady from 31.22% as of March 31, 2011 to 30.16% as of March 31, 2012, resulting in a positive change of 3.37%.This indicates that the balance sheet and financial strength for Shamrock Bank of Florida has held steady in recent periods. Deposit Growth In the past year, Shamrock Bank of Florida has increased its total deposits by $13.3 million, resulting in 21.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Shamrock Bank of Florida has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Shamrock Bank of Florida has $95.38 million in assets with $13.65 million in equity, resulting in a capitalization level of 14.31%, which is excellent.

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