Community First State Bank of Cooperstown in Cooperstown, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 03, 1995

  • Community First State Bank of Cooperstown in Cooperstown, North Dakota (ND)
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Community First State Bank of Cooperstown - Overview

  • General
  • FDIC Certificate #: 15615
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community First National Bank (#3924)
    Federal Reserve ID: 646659
    Date Established: January 01, 1890
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 9897
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 03, 1995
    Last Structure Change Process Date: January 13, 1995
    Last Data Update: January 13, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Cooperstown, ND 58425
    County: Griggs
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Grand Forks
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $54.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $13Total assets
  • $54,168Cash and due from depository institutions
  • $2,463Interest-bearing balances
  • $1,087Securities
  • $22,784Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $26,635Loan loss allowance
  • $408Trading account assets
  • $0Bank premises and fixed assets
  • $809Other real estate owned
  • $0Goodwill and other intangibles
  • $869Life insurance assets
  • $608All other assets
  • $0Total liabilities and capital
  • $54,168Total liabilities
  • $49,172Total deposits
  • $38,822Interest-bearing deposits
  • $34,769Deposits held in domestic offices
  • 38822.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $5,930Trading liabilities
  • $0Other borrowed funds
  • $4,000Subordinated debt
  • $0All other liabilities
  • $420Total equity capital
  • $420Total bank equity capital
  • $4,996Perpetual preferred stock
  • $0Common stock
  • $1,400Surplus
  • $3,374Undivided profits
  • Memoranda
  • $222Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6Income earned, not collected on loans
  • $447Earning assets
  • $50,506Long-term assets (5+ years)
  • $14,674Average Assets, year-to-date
  • $50,239Average Assets, quarterly
  • $53,972Volatile liabilities
  • $12,164Insider loans
  • $116FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,292Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,456Total risk weighted assets
  • $33,405Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,506Total interest expense
  • $1,382Net interest income
  • $2,124Provision for loan and lease losses
  • $0Total noninterest income
  • $196Fiduciary activities
  • $0Service charges on deposit accounts
  • $149Trading account gains & fees
  • $0Additional noninterest income
  • $47Total noninterest expense
  • $1,030Salaries and employee benefits
  • $352Premises and equipment expense
  • $52Additional noninterest expense
  • $626Pre-tax net operating income
  • $1,290Securities gains (losses)
  • $11Applicable income taxes
  • $478Income before extraordinary items
  • $823Extraordinary gains - net
  • $0Net income attributable to bank
  • $823Net charge-offs
  • -$3Cash dividends
  • $1,005Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.39%Cost of funding earning assets
  • 2.91%Net interest margin
  • 4.48%Noninterest income to earning assets
  • 0.41%Noninterest expense to earning assets
  • 2.17%Net operating income to assets
  • 1.62%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 2.59%Return on equity (ROE)
  • 15.94%Retained earnings to average equity (YTD only)
  • -3.53%Net charge-offs to loans
  • -0.01%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 39,957Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 122.11%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 6800.00%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 68.61%Net loans and leases to core deposits
  • 72.80%Equity capital to assets
  • 9.22%Core capital (leverage) ratio
  • 8.40%Tier 1 risk-based capital ratio
  • 13.34%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $50,239Average earning assets
  • $5,162Average equity
  • $47,446Average loans

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