Extraco Banks, National Association in Waco, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 21, 1999

  • Extraco Banks, National Association in Waco, Texas (TX)
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Extraco Banks, National Association - Overview

  • General
  • FDIC Certificate #: 25889
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Extraco Banks, National Association (#5551)
    Federal Reserve ID: 279963
    Date Established: Febuary 05, 1985
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 32132
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: Febuary 05, 1985
    Last Structure Change Effective Date: May 21, 1999
    Last Structure Change Process Date: June 08, 1999
    Last Data Update: June 08, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 1700 North Valley Mills, Waco, TX 76710
    County: Mclennan
    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): Waco, TX (#8800)
    Core Based Statistical Area (CBSA): Waco, TX (#47380)
    CBSA Metro Statistical Area: Waco, TX (#47380)
  • Financial Summary
  • Total assets: $114.3 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
  • 38Total employees (full-time equivalent)
  • $109,017Total assets
  • $6,470Cash and due from depository institutions
  • $0Interest-bearing balances
  • $7,818Securities
  • $20,390Federal funds sold & reverse repurchase agreements
  • $70,696Net loans & leases
  • $2,042Loan loss allowance
  • $0Trading account assets
  • $2,192Bank premises and fixed assets
  • $30Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,421All other assets
  • $109,017Total liabilities and capital
  • $101,010Total liabilities
  • $94,540Total deposits
  • $70,919Interest-bearing deposits
  • $94,540Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $6,009Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $461All other liabilities
  • $8,007Total equity capital
  • $8,007Total bank equity capital
  • $8,007Perpetual preferred stock
  • $0Common stock
  • $800Surplus
  • $3,600Undivided profits
  • Memoranda
  • $3,607Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $609Earning assets
  • $0Long-term assets (5+ years)
  • $410Average Assets, year-to-date
  • $98,904Average Assets, quarterly
  • $5,480Volatile liabilities
  • $112,251Insider loans
  • $111,363FHLB advances
  • $19,163Loans and leases held for sale
  • $325Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $15,858Total unused commitments
  • $0Restructured Loans and leases
  • $74,312Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $8,614Total interest income
  • $3,986Total interest expense
  • $4,628Net interest income
  • $873Provision for loan and lease losses
  • $1,342Total noninterest income
  • $0Fiduciary activities
  • $982Service charges on deposit accounts
  • $0Trading account gains & fees
  • $360Additional noninterest income
  • $4,640Total noninterest expense
  • $1,548Salaries and employee benefits
  • $756Premises and equipment expense
  • $2,336Additional noninterest expense
  • $457Pre-tax net operating income
  • $0Securities gains (losses)
  • $166Applicable income taxes
  • $291Income before extraordinary items
  • $0Extraordinary gains - net
  • $291Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $967Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.35%Yield on earning assets
  • 3.87%Cost of funding earning assets
  • 4.49%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 4.50%Noninterest expense to earning assets
  • 0.26%Net operating income to assets
  • 0.26%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 3.72%Return on equity (ROE)
  • 3.72%Retained earnings to average equity (YTD only)
  • 1.25%Net charge-offs to loans
  • 90.28%Credit loss provision to net charge-offs
  • 1.38%Efficiency ratio
  • 77,722Assets per employee
  • 2.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.81%Loss allowance to noncurrent loans
  • 335.30%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 0.84%Net loans and leases to deposits
  • 74.78%Net loans and leases to core deposits
  • 86.87%Equity capital to assets
  • 7.34%Core capital (leverage) ratio
  • 7.07%Tier 1 risk-based capital ratio
  • 10.70%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $112,251Average earning assets
  • $7,815Average equity
  • $103,114Average loans

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