The First National Bank in Cooper in Cooper, Texas (TX)



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The First National Bank in Cooper routing number info

Table of contents:
The First National Bank in Cooper
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)10
Total assets$43,817
Cash and due from depository institutions$7,768
Interest-bearing balances$495
Securities$15,117
Federal funds sold & reverse repurchase agreements$3,180
Net loans & leases$16,207
Loan loss allowance $156
Trading account assets$0
Bank premises and fixed assets$955
Other real estate owned$202
Goodwill and other intangibles$0
All other assets$388
Life insurance assets$43,817
Total liabilities and capital$38,134
Total liabilities$37,646
Total deposits$30,277
Interest-bearing deposits$37,646
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $488
All other liabilities $5,683
Total equity capital$5,683
Total bank equity capital$5,683
Perpetual preferred stock$0
Common stock$75
Surplus$1,075
Undivided profits $4,533
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $202
Earning assets $0
Long-term assets (5+ years) $115
Average Assets, year-to-date $34,999
Average Assets, quarterly $14,713
Volatile liabilities $43,049
Insider loans $43,819
FHLB advances $43,364
Loans and leases held for sale $44,393
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,281
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $843
Derivatives$449
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,731
Total interest expense $481
Net interest income $1,250
Provision for loan and lease losses $32
Total noninterest income $302
Fiduciary activities $0
Service charges on deposit accounts $181
Trading account gains & fees $0
Additional noninterest income $121
Total noninterest expense $1,004
Salaries and employee benefits $409
Premises and equipment expense $101
Additional noninterest expense $494
Pre-tax net operating income $516
Securities gains (losses) $0
Applicable income taxes $110
Income before extraordinary items $406
Extraordinary gains - net $0
Net income attributable to bank $406
Net charge-offs $0
Cash dividends $406
Sale, conversion, retirement of capital stock, net $9
Net operating income $280
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.68%
Cost of funding earning assets 1.30%
Net interest margin 3.38%
Noninterest income to earning assets 0.82%
Noninterest expense to earning assets 2.72%
Net operating income to assets 0.94%
Return on assets (ROA) 0.94%
Pretax return on assets 1.20%
Return on equity (ROE) 7.28%
Retained earnings to average equity (YTD only) 2.26%
Net charge-offs to loans 0.05%
Credit loss provision to net charge-offs 355.56%
Efficiency ratio60.89%
Assets per employee$64,691
Cash dividends to net income (YTD only)4.38%
Condition Ratios (%)
Loss allowance to loans 68.97%
Loss allowance to noncurrent loans 0.95%
Noncurrent assets plus other real estate owned to assets 77.23%
Noncurrent loans to loans 0.92%
Net loans and leases to deposits1.23%
Net loans and leases to core deposits 43.05%
Equity capital to assets 43.72%
Core capital (leverage) ratio 12.97%
Tier 1 risk-based capital ratio 11.90%
Total risk-based capital ratio 12.18%
Memoranda
Average assets$13
Average earning assets$43,049
Average equity $5,580
Average loans $36,956
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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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