Heights State Bank in Harker Heights, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 03, 2002

  • Heights State Bank in Harker Heights, Texas (TX)
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Heights State Bank - Overview

  • General
  • 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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