The First National Bank in Cooper in Cooper, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank in Cooper - Overview

  • General
  • FDIC Certificate #: 3149
    Status: Active
    Federal Reserve ID: 767152
    Bank Holding Company (Regulatory Top Holder): Cooper Lake Financial Corporation (RSSDID: 1249280, Location: Cooper, TX)
    Date Established: January 15, 1891
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 2019
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 11 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)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $43.8 mil
    Equity capital: $5.7 mil
    Deposits held in domestic offices: $37.6 mil
    Return on assets (ROA): 0.94% ($0.4 mil)
    Quarterly return on assets: 0.61% ($0.3 mil)
    Return on Equity (ROE): 7.28% ($0.4 mil)
    Quarterly return on equity: 4.66% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.20% ($525.8 mil)
    Quarterly Pretax return on assets: 0.66% ($289.2 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, 2011)

  • Dollar figures in thousands
  • 10Total employees (full-time equivalent)
  • $43,817Total assets
  • $7,768Cash and due from depository institutions
  • $495Interest-bearing balances
  • $15,117Securities
  • $3,180Federal funds sold & reverse repurchase agreements
  • $16,207Net loans & leases
  • $156Loan loss allowance
  • $0Trading account assets
  • $955Bank premises and fixed assets
  • $202Other real estate owned
  • $0Goodwill and other intangibles
  • $43,817Life insurance assets
  • $388All other assets
  • $38,134Total liabilities and capital
  • $37,646Total liabilities
  • $30,277Total deposits
  • $37,646Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $488Subordinated debt
  • $5,683All other liabilities
  • $5,683Total equity capital
  • $5,683Total bank equity capital
  • $0Perpetual preferred stock
  • $75Common stock
  • $1,075Surplus
  • $4,533Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $202Income earned, not collected on loans
  • $0Earning assets
  • $115Long-term assets (5+ years)
  • $34,999Average Assets, year-to-date
  • $14,713Average Assets, quarterly
  • $43,049Volatile liabilities
  • $43,819Insider loans
  • $43,364FHLB advances
  • $44,393Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,281Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $843Restructured Loans and leases
  • $449Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,731Total interest income
  • $481Total interest expense
  • $1,250Net interest income
  • $32Provision for loan and lease losses
  • $302Total noninterest income
  • $0Fiduciary activities
  • $181Service charges on deposit accounts
  • $0Trading account gains & fees
  • $121Additional noninterest income
  • $1,004Total noninterest expense
  • $409Salaries and employee benefits
  • $101Premises and equipment expense
  • $494Additional noninterest expense
  • $516Pre-tax net operating income
  • $0Securities gains (losses)
  • $110Applicable income taxes
  • $406Income before extraordinary items
  • $0Extraordinary gains - net
  • $406Net income attributable to bank
  • $0Net charge-offs
  • $406Cash dividends
  • $9Sale, conversion, retirement of capital stock, net
  • $280Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 3.38%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 2.72%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 7.28%Return on equity (ROE)
  • 2.26%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 355.56%Credit loss provision to net charge-offs
  • 60.89%Efficiency ratio
  • 64,691Assets per employee
  • 4.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.97%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 77.23%Noncurrent assets plus other real estate owned to assets
  • 0.92%Noncurrent loans to loans
  • 1.23%Net loans and leases to deposits
  • 43.05%Net loans and leases to core deposits
  • 43.72%Equity capital to assets
  • 12.97%Core capital (leverage) ratio
  • 11.90%Tier 1 risk-based capital ratio
  • 12.18%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $43,049Average earning assets
  • $5,580Average equity
  • $36,956Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02019The First National Bank In Cooper11 West Side Square, Cooper, TX 75432January 15, 1891Full Service Brick and Mortar

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