FDIC Certificate #: 3150 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The First National Bank in Cooper (#3149) Federal Reserve ID: 953450 Date Established: August 11, 1900 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 2020 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 26, 2007 Last Structure Change Process Date: June 14, 2007 Last Data Update: June 14, 2007 Data Source Date: April 05, 2012
Location
Address: 91 West Side Square, Cooper, TX 75432 County: Delta Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Dallas Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
Financial Summary
Total assets: $18.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
6Total employees (full-time equivalent)
$18,217Total assets
$763Cash and due from depository institutions
$106Interest-bearing balances
$2,649Securities
$5,005Federal funds sold & reverse repurchase agreements
$9,156Net loans & leases
$91Loan loss allowance
$0Trading account assets
$143Bank premises and fixed assets
$337Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$164All other assets
$18,217Total liabilities and capital
$15,796Total liabilities
$15,711Total deposits
$12,478Interest-bearing deposits
$15,711Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$85All other liabilities
$2,421Total equity capital
$2,421Total bank equity capital
$2,421Perpetual preferred stock
$0Common stock
$300Surplus
$700Undivided profits
Memoranda
$1,421Noncurrent loans and leases
$297Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$59Earning assets
$0Long-term assets (5+ years)
$104Average Assets, year-to-date
$16,916Average Assets, quarterly
$2,269Volatile liabilities
$17,655Insider loans
$17,631FHLB advances
$3,409Loans and leases held for sale
$83Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$297Total unused commitments
$203Restructured Loans and leases
$91Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$1,070Total interest income
$356Total interest expense
$714Net interest income
$0Provision for loan and lease losses
$150Total noninterest income
$0Fiduciary activities
$137Service charges on deposit accounts
$0Trading account gains & fees
$13Additional noninterest income
$523Total noninterest expense
$263Salaries and employee benefits
$63Premises and equipment expense
$197Additional noninterest expense
$341Pre-tax net operating income
$0Securities gains (losses)
$98Applicable income taxes
$243Income before extraordinary items
$0Extraordinary gains - net
$243Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$2Sale, conversion, retirement of capital stock, net
$162Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.53%Yield on earning assets
2.17%Cost of funding earning assets
4.35%Net interest margin
0.91%Noninterest income to earning assets
3.19%Noninterest expense to earning assets
1.38%Net operating income to assets
1.38%Return on assets (ROA)
1.93%Pretax return on assets
10.18%Return on equity (ROE)
3.39%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
170.50%Efficiency ratio
60,532Assets per employee
3.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
66.67%Loss allowance to loans
0.98%Loss allowance to noncurrent loans
154.24%Noncurrent assets plus other real estate owned to assets
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