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
No
ID
Name
Address
Established
Service Type
Map
0
2019
The First National Bank In Cooper
11 West Side Square, Cooper, TX 75432
January 15, 1891
Full Service Brick and Mortar
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