FDIC Certificate #: 1190 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Extraco Banks, National Association (#5551) Federal Reserve ID: 520656 Date Established: January 01, 1913 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 816 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes Oakar Institutions: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2000 Last Structure Change Process Date: April 27, 2000 Last Data Update: April 27, 2000 Data Source Date: April 05, 2012
Location
Address: 8th And Leon Streets, Gatesville, TX 76528 County: Coryell 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 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: $114.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
42Total employees (full-time equivalent)
$114,781Total assets
$3,913Cash and due from depository institutions
$0Interest-bearing balances
$30,894Securities
$8,315Federal funds sold & reverse repurchase agreements
$67,052Net loans & leases
$1,549Loan loss allowance
$0Trading account assets
$2,655Bank premises and fixed assets
$286Other real estate owned
$308Goodwill and other intangibles
$0Life insurance assets
$1,358All other assets
$114,781Total liabilities and capital
$105,856Total liabilities
$105,155Total deposits
$91,084Interest-bearing deposits
$105,155Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$701All other liabilities
$8,925Total equity capital
$8,925Total bank equity capital
$8,925Perpetual preferred stock
$0Common stock
$400Surplus
$6,500Undivided profits
Memoranda
$2,025Noncurrent loans and leases
$3,654Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$763Earning assets
$506Long-term assets (5+ years)
$666Average Assets, year-to-date
$106,261Average Assets, quarterly
$21,043Volatile liabilities
$114,118Insider loans
$116,229FHLB advances
$9,380Loans and leases held for sale
$508Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,654Total unused commitments
$1Restructured Loans and leases
$811Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$8,057Total interest income
$3,685Total interest expense
$4,372Net interest income
$34Provision for loan and lease losses
$987Total noninterest income
$4Fiduciary activities
$882Service charges on deposit accounts
$0Trading account gains & fees
$101Additional noninterest income
$3,633Total noninterest expense
$1,393Salaries and employee benefits
$441Premises and equipment expense
$1,799Additional noninterest expense
$1,692Pre-tax net operating income
$0Securities gains (losses)
$556Applicable income taxes
$1,136Income before extraordinary items
$0Extraordinary gains - net
$1,136Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$14Sale, conversion, retirement of capital stock, net
$500Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.65%Yield on earning assets
3.50%Cost of funding earning assets
4.15%Net interest margin
0.94%Noninterest income to earning assets
3.45%Noninterest expense to earning assets
1.00%Net operating income to assets
1.00%Return on assets (ROA)
1.48%Pretax return on assets
12.92%Return on equity (ROE)
7.23%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
-242.86%Credit loss provision to net charge-offs
0.00%Efficiency ratio
66,094Assets per employee
2.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.01%Loss allowance to loans
2.26%Loss allowance to noncurrent loans
203.01%Noncurrent assets plus other real estate owned to assets
0.91%Noncurrent loans to loans
1.11%Net loans and leases to deposits
63.76%Net loans and leases to core deposits
70.01%Equity capital to assets
7.78%Core capital (leverage) ratio
7.69%Tier 1 risk-based capital ratio
13.86%Total risk-based capital ratio
Memoranda
$15Average assets
$114,118Average earning assets
$8,795Average equity
$105,343Average loans
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