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

Extraco Banks, National Association - Overview

  • General
  • FDIC Certificate #: 5551
    Status: Active
    Federal Reserve ID: 537560
    Bank Holding Company (Regulatory Top Holder): Extraco Corporation (RSSDID: 1104923, Location: Waco, TX)
    Date Established: September 20, 1933
    WWW: http://www.extracobanks.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 19 (Domestic: 19, Interstate: No)
    FDIC's unique #: 3773
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 18-20 South Main Street, Temple, TX 76501
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,194.0 mil
    Equity capital: $116.8 mil
    Deposits held in domestic offices: $883.6 mil
    Return on assets (ROA): 1.04% ($12.4 mil)
    Quarterly return on assets: 0.93% ($11.1 mil)
    Return on Equity (ROE): 10.98% ($12.8 mil)
    Quarterly return on equity: 9.71% ($11.4 mil)
    Net income: $12.4 mil
    Quarterly Net income: $2.8 mil
    Pretax return on assets: 1.04% ($12,417.6 mil)
    Quarterly Pretax return on assets: 0.93% ($11,104.2 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, 2011)

  • Dollar figures in thousands
  • 385Total employees (full-time equivalent)
  • $1,194,000Total assets
  • $197,708Cash and due from depository institutions
  • $158,069Interest-bearing balances
  • $326,004Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $617,401Net loans & leases
  • $19,681Loan loss allowance
  • $0Trading account assets
  • $33,282Bank premises and fixed assets
  • $1,263Other real estate owned
  • $343Goodwill and other intangibles
  • $1,194,000Life insurance assets
  • $17,999All other assets
  • $1,077,247Total liabilities and capital
  • $883,612Total liabilities
  • $633,373Total deposits
  • $883,612Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 88843.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $100,133Trading liabilities
  • $0Other borrowed funds
  • $4,659Subordinated debt
  • $116,753All other liabilities
  • $116,753Total equity capital
  • $116,753Total bank equity capital
  • $0Perpetual preferred stock
  • $3,750Common stock
  • $27,049Surplus
  • $85,954Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $11,913Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,356Income earned, not collected on loans
  • $0Earning assets
  • $5,133Long-term assets (5+ years)
  • $1,101,474Average Assets, year-to-date
  • $344,298Average Assets, quarterly
  • $1,187,122Volatile liabilities
  • $1,206,700Insider loans
  • $632,426FHLB advances
  • $1,201,464Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $114,991Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $101,117Restructured Loans and leases
  • $4,710Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $45,502Total interest income
  • $7,646Total interest expense
  • $37,856Net interest income
  • $1,136Provision for loan and lease losses
  • $23,707Total noninterest income
  • $2,063Fiduciary activities
  • $10,798Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10,846Additional noninterest income
  • $47,863Total noninterest expense
  • $28,628Salaries and employee benefits
  • $8,255Premises and equipment expense
  • $10,980Additional noninterest expense
  • $12,564Pre-tax net operating income
  • -$168Securities gains (losses)
  • $0Applicable income taxes
  • $12,396Income before extraordinary items
  • $0Extraordinary gains - net
  • $12,396Net income attributable to bank
  • $0Net charge-offs
  • $12,396Cash dividends
  • $613Sale, conversion, retirement of capital stock, net
  • $4,750Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.16%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 3.46%Net interest margin
  • 2.17%Noninterest income to earning assets
  • 4.37%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 10.98%Return on equity (ROE)
  • 6.77%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 185.32%Credit loss provision to net charge-offs
  • 22.35%Efficiency ratio
  • 77,680Assets per employee
  • 3.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.32%Loss allowance to loans
  • 3.09%Loss allowance to noncurrent loans
  • 586.44%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.53%Net loans and leases to deposits
  • 69.87%Net loans and leases to core deposits
  • 72.06%Equity capital to assets
  • 9.78%Core capital (leverage) ratio
  • 9.57%Tier 1 risk-based capital ratio
  • 18.18%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $1,187,122Average earning assets
  • $112,868Average equity
  • $1,094,147Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $329,758Managed Assets
  • 1Number of Accounts
  • $291,932Personal trust and agency accounts
  • $130,193Employee benefit-defined contribution accounts
  • $46,487Employee benefit-defined benefit accounts
  • $1,737Other retirement accounts
  • $26,858Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $73,088Other fiduciary accounts
  • $13,569Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 644Number of Accounts
  • $0Personal trust and agency accounts
  • $26,558Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $37,826Other retirement accounts
  • $7,716Corporate trust and agency accounts
  • $28,414Other fiduciary accounts
  • $211Fiduciary accounts held in foreign offices

List of branches

  • 19 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03773Extraco Banks, National Association18-20 South Main Street, Temple, TX 76501September 20, 1933Full Service Brick and Mortar
    117538Belton Branch2000 North Main St, Belton, TX 76513June 05, 1984Full Service Brick and Mortar
    216483Killeen Branch201 West Jasper Drive, Killeen, TX 76542September 03, 1981Full Service Brick and Mortar
    420781031st Street Branch3615 South 31st Street, Temple, TX 76502January 13, 1997Full Service Brick and Mortar
    5288828Copperas Cove Branch1003 East Highway 190, Copperas Cove, TX 76522December 29, 1988Full Service Brick and Mortar
    6207811Mobile Branch18-20 South Main, Temple, TX 76503July 17, 1997Limited Service Facility
    732132Waco/North Valley Mills Branch1700 North Valley Mills Drive, Waco, TX 76710Febuary 05, 1985Full Service Brick and Mortar
    8258375Midway Branch200 Hewitt Drive, Waco, TX 76712November 03, 1997Full Service Brick and Mortar
    933162Lorena Branch107 South Frontage Road, Lorena, TX 76655January 09, 1986Full Service Brick and Mortar
    1035332Troy Branch18 S. Central Avenue, Troy, TX 76579March 25, 1986Full Service Brick and Mortar
    11816Gatesville Branch800 East Main Street, Gatesville, TX 76528January 01, 1913Full Service Brick and Mortar
    12187986Hamilton Branch1208 East Main Street, Hamilton, TX 76531November 22, 1993Full Service Brick and Mortar
    13358710Mcgregor Branch415 N Johnson St., Mc Gregor, TX 76657January 18, 2000Full Service Brick and Mortar
    1446459Harker Heights Branch100 West Central Texas Expressway, Harker Heights, TX 76548December 07, 1990Full Service Brick and Mortar
    15441124Georgetown Branch1504 Williams Drive, Georgetown, TX 78628June 02, 2005Full Service Brick and Mortar
    16463525North Lake Shore Branch1207 N Loop 340, Waco, TX 76705August 02, 2006Full Service Brick and Mortar
    17469123First National Bank Of Temple-Mobile18-20 South Main, Temple, TX 76503July 05, 2007Limited Service Mobile
    18521537Bryan Branch2706 South Texas Avenue, Bryan, TX 77802March 31, 2011Full Service Brick and Mortar
    19521538Lampasas Branch302 North Key Blvd, Lampasas, TX 76550March 31, 2011Full Service Brick and Mortar

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