Bank of Troy in Troy, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 28, 1999

  • Bank of Troy in Troy, Texas (TX)
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Bank of Troy - Overview

  • General
  • 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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