Cooper State Bank in Dublin, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

Cooper State Bank - Overview

  • General
  • FDIC Certificate #: 58041
    Status: Active
    Federal Reserve ID: 3368989
    Bank Holding Company (Regulatory Top Holder): C Financial Corporation (RSSDID: 3533264, Location: Dublin, OH)
    Date Established: August 01, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 437000
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 01, 2005
    Last Structure Change Effective Date: November 14, 2011
    Last Structure Change Process Date: November 15, 2011
    Last Data Update: November 15, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 5811 Sawmill Road, Dublin, OH 43017
    County: Franklin
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Columbus, OH (#1840)
    Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198)
    Core Based Statistical Area (CBSA): Columbus, OH (#18140)
    CBSA Metro Statistical Area: Columbus, OH (#18140)
  • Financial Summary
  • Total assets: $103.5 mil
    Equity capital: $7.9 mil
    Deposits held in domestic offices: $90.7 mil
    Return on assets (ROA): -0.42% (-$0.4 mil)
    Quarterly return on assets: -0.53% (-$0.5 mil)
    Return on Equity (ROE): -5.23% (-$0.4 mil)
    Quarterly return on equity: -6.77% (-$0.5 mil)
    Net income: -$0.4 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.42% (-$434.6 mil)
    Quarterly Pretax return on assets: -0.53% (-$548.4 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
  • 68Total employees (full-time equivalent)
  • $103,474Total assets
  • $11,304Cash and due from depository institutions
  • $7,884Interest-bearing balances
  • $3,549Securities
  • $3,065Federal funds sold & reverse repurchase agreements
  • $83,702Net loans & leases
  • $1,130Loan loss allowance
  • $0Trading account assets
  • $772Bank premises and fixed assets
  • $36Other real estate owned
  • $0Goodwill and other intangibles
  • $103,474Life insurance assets
  • $1,046All other assets
  • $95,614Total liabilities and capital
  • $90,683Total liabilities
  • $77,045Total deposits
  • $90,683Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $931Subordinated debt
  • $7,860All other liabilities
  • $7,860Total equity capital
  • $7,860Total bank equity capital
  • $0Perpetual preferred stock
  • $1,010Common stock
  • $20,106Surplus
  • $-13,256Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $353Long-term assets (5+ years)
  • $98,200Average Assets, year-to-date
  • $51,487Average Assets, quarterly
  • $95,244Volatile liabilities
  • $101,263Insider loans
  • $65,793FHLB advances
  • $100,745Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,927Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,880Restructured Loans and leases
  • $1,318Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,663Total interest income
  • $571Total interest expense
  • $4,092Net interest income
  • $166Provision for loan and lease losses
  • $3,154Total noninterest income
  • $0Fiduciary activities
  • $2,246Service charges on deposit accounts
  • $0Trading account gains & fees
  • $908Additional noninterest income
  • $7,515Total noninterest expense
  • $3,047Salaries and employee benefits
  • $1,806Premises and equipment expense
  • $2,662Additional noninterest expense
  • -$435Pre-tax net operating income
  • $35Securities gains (losses)
  • $0Applicable income taxes
  • -$400Income before extraordinary items
  • $0Extraordinary gains - net
  • -$400Net income attributable to bank
  • $0Net charge-offs
  • -$400Cash dividends
  • $102Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 4.51%Net interest margin
  • 3.48%Noninterest income to earning assets
  • 8.29%Noninterest expense to earning assets
  • -0.46%Net operating income to assets
  • -0.42%Return on assets (ROA)
  • -0.42%Pretax return on assets
  • -5.23%Return on equity (ROE)
  • -5.23%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 162.75%Credit loss provision to net charge-offs
  • -2.64%Efficiency ratio
  • 103,712Assets per employee
  • 1.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 92.30%Net loans and leases to core deposits
  • 92.64%Equity capital to assets
  • 7.60%Core capital (leverage) ratio
  • 7.87%Tier 1 risk-based capital ratio
  • 12.05%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $95,244Average earning assets
  • $7,648Average equity
  • $90,668Average loans

List of branches

  • 6 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0437000Cooper State Bank5811 Sawmill Road, Dublin, OH 43017August 01, 2005Full Service Brick and Mortar
    1477847High Street Branch3245 North High Street, Columbus, OH 43202January 29, 2008Full Service Brick and Mortar
    2477848Reynoldsburg Branch6950 East Main Street, Reynoldsburg, OH 43068May 27, 2008Full Service Brick and Mortar
    4480777Granville Road Branch1616 East Dublin Granville Road, Columbus, OH 43229July 05, 2007Full Service Brick and Mortar
    5489598Graceland Branch5090 North High Street, Columbus, OH 43214Febuary 25, 2009Full Service Brick and Mortar
    6489599Grandview Branch1669 West Fifth Avenue, Columbus, OH 43212Febuary 26, 2009Full Service Brick and Mortar

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