# SHAMROCK BANK OF FLORIDA
NAPLES, FL · FDIC certificate 58553 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $91.5M | |
| Deposits | $80.9M | |
| Loans and leases | $62.3M | |
| Total equity | $6.4M | |
| Loans / deposits | 74.57% (p60 of band) | 69.26% |
| Liquid assets / assets | 32.68% (p45 of band) | |
| Uninsured deposits / deposits | 14.19% (p58 of band) | 12.49% |
| Brokered deposits | 4.09% | |
| Wholesale funding | 8.46% (p80 of band) | |
| FHLB advances / assets | 4.37% | |
| Tier 1 leverage | 8.43% (p15 of band) | 10.29% |
| Unrealized securities loss / equity | -24.48% (p3 of band) | -1.01% |
| AOCI / equity | -24.75% (p4 of band) | |
| ROA (annualized) | -1.42% (p3 of band) | 0.76% |
| Net interest margin | 3.24% (p29 of band) | 3.63% |
| Efficiency ratio | 100.21% (p92 of band) | |
| Noncurrent loans | 2.38% (p76 of band) | 0.94% |
| Net charge-offs (annualized) | 1.12% (p97 of band) | |
| Reserve coverage of noncurrent | 131.71% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 73.83% (p90 of band) | |
| Auto loans | $58,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.9% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **AOCI drag >20% of equity** (`cap_aoci`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 | wholesale funding >15% | noncurrent p90 |
| 2011-09 | 4 |  | wholesale funding >15% |
| 2011-12 | 4 |  |  |
| 2012-03 | 2 | capital falling | losing money, expense ratio p90, charge-offs p90 |
| 2012-06 | 6 | losing money, expense ratio p90, noncurrent p90, charge-offs p90 |  |
| 2012-09 | 6 |  |  |
| 2012-12 | 4 |  | reserve under noncurrent, noncurrent p90 |
| 2013-03 | 1 |  | losing money, expense ratio p90, charge-offs p90 |
| 2013-06 | 5 | AOCI drag >20% of equity, losing money, charge-offs p90, reserve under noncurrent |  |
| 2013-09 | 4 |  | capital falling |
| 2013-12 | 7 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2013-12-10 [SWFL CEOs: Expect more women to lead U.S. corporations after GM promotes Mary Barra to top spot - Naples Daily News](https://news.google.com/rss/articles/CBMi7AFBVV95cUxORFpUZHhxUkEzSXlXSE1NNGhlSlY0Z0hrRkZWUzhLellYdXBFejJuZjcyUERrVTFKWm1EdmpJY2czS0xBYlRuZUFDai1JRWN6QS1CS3BaTWZ3Sk5OOS1NSjk3WmJ4UWVqNnZ1VERmUko1b1BlclBxek44b1JhUzJBYlNwN21QUG5OcjNXc0phZmE0aDQxbEgyblVaWnpRaU01cXZRNi14bHBfdXhHUU84MVp4NXJxeE5uc0pINVJMUFZEczZrOWZtWWtEV0xKLVowS3NnUk8zV3c5SWZHY3VYQjFJQ2g2RmxRSTRvUQ?oc=5) · Naples Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58553 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "58553", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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