FDIC Certificate #: 26611 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Extraco Banks, National Association (#5551) Federal Reserve ID: 543561 Date Established: March 25, 1986 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 35332 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: March 25, 1986 Last Structure Change Effective Date: June 28, 1999 Last Structure Change Process Date: July 08, 1999 Last Data Update: July 08, 1999 Data Source Date: April 05, 2012
Location
Address: Center And Church Streets, Troy, TX 76579 County: Bell Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Killeen-Temple, TX (#3810) Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660) CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
Financial Summary
Total assets: $12.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
7Total employees (full-time equivalent)
$12,842Total assets
$972Cash and due from depository institutions
$200Interest-bearing balances
$1,358Securities
$2,225Federal funds sold & reverse repurchase agreements
$7,889Net loans & leases
$91Loan loss allowance
$0Trading account assets
$269Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$129All other assets
$12,842Total liabilities and capital
$11,951Total liabilities
$11,929Total deposits
$9,890Interest-bearing deposits
$11,929Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$22All other liabilities
$891Total equity capital
$891Total bank equity capital
$891Perpetual preferred stock
$0Common stock
$150Surplus
$510Undivided profits
Memoranda
$231Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$20Earning assets
$0Long-term assets (5+ years)
$78Average Assets, year-to-date
$11,672Average Assets, quarterly
$94Volatile liabilities
$12,451Insider loans
$12,744FHLB advances
$1,842Loans and leases held for sale
$79Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$367Total unused commitments
$0Restructured Loans and leases
$8,373Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$958Total interest income
$434Total interest expense
$524Net interest income
$5Provision for loan and lease losses
$114Total noninterest income
$0Fiduciary activities
$36Service charges on deposit accounts
$0Trading account gains & fees
$78Additional noninterest income
$443Total noninterest expense
$250Salaries and employee benefits
$62Premises and equipment expense
$131Additional noninterest expense
$190Pre-tax net operating income
$0Securities gains (losses)
$61Applicable income taxes
$129Income before extraordinary items
$0Extraordinary gains - net
$129Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$65Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.39%Yield on earning assets
3.80%Cost of funding earning assets
4.59%Net interest margin
1.00%Noninterest income to earning assets
3.88%Noninterest expense to earning assets
1.04%Net operating income to assets
1.04%Return on assets (ROA)
1.53%Pretax return on assets
14.74%Return on equity (ROE)
7.31%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-500.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
69,436Assets per employee
1.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.39%Loss allowance to loans
1.14%Loss allowance to noncurrent loans
455.00%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.25%Net loans and leases to deposits
66.13%Net loans and leases to core deposits
78.21%Equity capital to assets
6.94%Core capital (leverage) ratio
6.80%Tier 1 risk-based capital ratio
10.64%Total risk-based capital ratio
Memoranda
$12Average assets
$12,451Average earning assets
$875Average equity
$11,419Average loans
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