Crockett National Bank in Ozona, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Crockett National Bank - Overview

  • General
  • FDIC Certificate #: 24561
    Status: Active
    Federal Reserve ID: 1015467
    Bank Holding Company (Regulatory Top Holder): Crockett County National Bancshares, Inc (RSSDID: 1141861, Location: Ozona, TX)
    Date Established: June 20, 1983
    WWW: http://www.crockettnationalbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 15567
    FDIC's unique #: 17063
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: June 20, 1983
    Last Structure Change Effective Date: January 11, 2010
    Last Structure Change Process Date: April 12, 2011
    Last Data Update: April 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: Highway 163 And First Street, Ozona, TX 76943
    County: Crockett
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Participated in Reorganization
  • Financial Summary
  • Total assets: $299.7 mil
    Equity capital: $36.4 mil
    Deposits held in domestic offices: $247.2 mil
    Return on assets (ROA): 2.47% ($7.4 mil)
    Quarterly return on assets: 2.04% ($6.1 mil)
    Return on Equity (ROE): 22.21% ($8.0 mil)
    Quarterly return on equity: 17.39% ($6.3 mil)
    Net income: $7.2 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 2.47% ($7,402.9 mil)
    Quarterly Pretax return on assets: 2.04% ($6,114.1 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
  • 63Total employees (full-time equivalent)
  • $299,713Total assets
  • $55,870Cash and due from depository institutions
  • $53,545Interest-bearing balances
  • $12,998Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $225,174Net loans & leases
  • $3,502Loan loss allowance
  • $0Trading account assets
  • $2,306Bank premises and fixed assets
  • $26Other real estate owned
  • $0Goodwill and other intangibles
  • $299,713Life insurance assets
  • $3,339All other assets
  • $263,283Total liabilities and capital
  • $247,215Total liabilities
  • $196,016Total deposits
  • $247,215Interest-bearing deposits
  • $65Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,967Trading liabilities
  • $0Other borrowed funds
  • $1,101Subordinated debt
  • $36,430All other liabilities
  • $36,430Total equity capital
  • $36,430Total bank equity capital
  • $0Perpetual preferred stock
  • $875Common stock
  • $6,457Surplus
  • $29,098Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,354Income earned, not collected on loans
  • $0Earning assets
  • $1,296Long-term assets (5+ years)
  • $291,717Average Assets, year-to-date
  • $174,478Average Assets, quarterly
  • $289,769Volatile liabilities
  • $296,456Insider loans
  • $194,279FHLB advances
  • $296,985Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $36,432Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,339Restructured Loans and leases
  • $4,812Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,588Total interest income
  • $2,118Total interest expense
  • $12,470Net interest income
  • $427Provision for loan and lease losses
  • $2,349Total noninterest income
  • $0Fiduciary activities
  • $861Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,488Additional noninterest income
  • $7,222Total noninterest expense
  • $3,520Salaries and employee benefits
  • $1,232Premises and equipment expense
  • $2,470Additional noninterest expense
  • $7,170Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $7,170Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,170Net income attributable to bank
  • $0Net charge-offs
  • $7,170Cash dividends
  • $421Sale, conversion, retirement of capital stock, net
  • $1,615Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.44%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 2.57%Noninterest expense to earning assets
  • 2.47%Net operating income to assets
  • 2.47%Return on assets (ROA)
  • 2.47%Pretax return on assets
  • 22.21%Return on equity (ROE)
  • 17.21%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 101.43%Credit loss provision to net charge-offs
  • 18.05%Efficiency ratio
  • 48,735Assets per employee
  • 4.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.52%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 148.77%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 1.03%Net loans and leases to deposits
  • 91.08%Net loans and leases to core deposits
  • 128.60%Equity capital to assets
  • 12.15%Core capital (leverage) ratio
  • 12.27%Tier 1 risk-based capital ratio
  • 18.75%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $289,769Average earning assets
  • $32,281Average equity
  • $280,725Average loans

List of branches

  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017063Crockett National BankHighway 163 And First Street, Ozona, TX 76943June 20, 1983Full Service Brick and Mortar
    1257508San Angelo Branch502 South Koenigheim, Suite 1d, San Angelo, TX 76903Febuary 01, 1990Full Service Brick and Mortar
    2365692Sherwood Way Store No. 204 Branch5665 Sherwood Way, San Angelo, TX 76904September 21, 2002Full Service Retail
    3365730Store Number 5 Branch3902 North Chadbourne, San Angelo, TX 76903October 26, 2002Full Service Retail
    6466471Grape Creek Branch8201 N Us Hwy 87, San Angelo, TX 76901April 16, 2007Full Service Brick and Mortar

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