FDIC Certificate #: 33218 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Extraco Banks, National Association (#5551) Federal Reserve ID: 1819049 Date Established: December 07, 1990 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 46459 Numeric code: 21 Regulator: FDIC 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: December 07, 1990 Last Structure Change Effective Date: December 03, 2002 Last Structure Change Process Date: January 31, 2003 Last Data Update: January 31, 2003 Data Source Date: April 05, 2012
Location
Address: 100 West Central Texas Expressway, Harker Heights, TX 76543 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: $52.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
23Total employees (full-time equivalent)
$58,583Total assets
$8,684Cash and due from depository institutions
$4,940Interest-bearing balances
$14,809Securities
$17,815Federal funds sold & reverse repurchase agreements
$16,261Net loans & leases
$167Loan loss allowance
$0Trading account assets
$83Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$931All other assets
$58,583Total liabilities and capital
$52,284Total liabilities
$52,079Total deposits
$35,396Interest-bearing deposits
$52,079Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$205All other liabilities
$6,299Total equity capital
$6,299Total bank equity capital
$6,299Perpetual preferred stock
$0Common stock
$400Surplus
$3,600Undivided profits
Memoranda
$2,299Noncurrent loans and leases
$2,496Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$11Earning assets
$0Long-term assets (5+ years)
$195Average Assets, year-to-date
$53,825Average Assets, quarterly
$7,828Volatile liabilities
$56,274Insider loans
$58,960FHLB advances
$3,288Loans and leases held for sale
$13Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,496Total unused commitments
$0Restructured Loans and leases
$167Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$3,550Total interest income
$1,207Total interest expense
$2,343Net interest income
$24Provision for loan and lease losses
$570Total noninterest income
$0Fiduciary activities
$530Service charges on deposit accounts
$0Trading account gains & fees
$40Additional noninterest income
$1,599Total noninterest expense
$901Salaries and employee benefits
$87Premises and equipment expense
$611Additional noninterest expense
$1,290Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,290Income before extraordinary items
$0Extraordinary gains - net
$1,290Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$9Sale, conversion, retirement of capital stock, net
$800Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.79%Yield on earning assets
2.31%Cost of funding earning assets
4.48%Net interest margin
1.09%Noninterest income to earning assets
3.06%Noninterest expense to earning assets
2.29%Net operating income to assets
2.29%Return on assets (ROA)
2.29%Pretax return on assets
21.03%Return on equity (ROE)
7.99%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
266.67%Credit loss provision to net charge-offs
146.00%Efficiency ratio
54,892Assets per employee
2.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
62.02%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
1518.18%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.07%Net loans and leases to deposits
31.22%Net loans and leases to core deposits
33.33%Equity capital to assets
10.75%Core capital (leverage) ratio
10.26%Tier 1 risk-based capital ratio
10.59%Total risk-based capital ratio
Memoranda
$11Average assets
$56,274Average earning assets
$6,133Average equity
$52,310Average loans
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