Call reports 2025
EXTRACO BANKS, NATIONAL ASSOCIATION — 2025
What EXTRACO BANKS, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,475,618,000 | 2,475,352,000 | 2,524,518,000 | 2,476,407,000 |
| Total loans | 1,326,864,000 | 1,334,675,000 | 1,347,038,000 | 1,333,562,000 |
| Allowance for loan losses | 30,806,000 | 31,423,000 | 31,736,000 | 32,035,000 |
| Securities available for sale | 201,396,000 | 203,034,000 | 202,358,000 | 222,351,000 |
| Securities held to maturity | 466,248,000 | 488,275,000 | 479,021,000 | 498,732,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,989,557,000 | 1,998,520,000 | 2,033,786,000 | 2,012,452,000 |
| Interest-bearing deposits | 1,667,478,000 | 1,657,896,000 | 1,689,807,000 | 1,713,255,000 |
| Noninterest-bearing deposits | 322,079,000 | 340,624,000 | 343,979,000 | 299,197,000 |
| Equity capital | 197,195,000 | 195,410,000 | 200,263,000 | 207,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 27,784,000 | 56,574,000 | 85,740,000 | 114,632,000 |
| Interest expense | 11,866,000 | 24,440,000 | 37,071,000 | 49,395,000 |
| Net interest income | 15,918,000 | 32,134,000 | 48,669,000 | 65,237,000 |
| Noninterest income | 4,287,000 | 9,767,000 | 14,035,000 | 20,682,000 |
| Noninterest expense | 15,430,000 | 30,677,000 | 46,588,000 | 61,773,000 |
| Provision for loan losses | 650,000 | 1,397,000 | 1,846,000 | 2,192,000 |
| Pretax income | 4,170,000 | 9,971,000 | 14,560,000 | 22,000,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,170,000 | 9,971,000 | 14,560,000 | 22,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 197,962,000 | 201,824,000 | 204,473,000 | 209,926,000 |
| Total capital | 214,959,000 | 218,982,000 | 221,577,000 | 226,963,000 |
| Risk-weighted assets | 1,345,958,000 | 1,358,343,000 | 1,353,684,000 | 1,347,596,000 |