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
    WWW: http://www.fnbcooper.com
    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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The First National Bank in Cooper.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents