The Hondo National Bank in Hondo, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Hondo National Bank - Overview

  • General
  • FDIC Certificate #: 15345
    Status: Active
    Federal Reserve ID: 77253
    Bank Holding Company (Regulatory Top Holder): Texas Heritage Bancshares, Inc. (RSSDID: 3048991, Location: Hondo, TX)
    Date Established: January 01, 1934
    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: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 9675
    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: 1112 Eighteenth Street, Hondo, TX 78861
    County: Medina
    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
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $162.0 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $143.0 mil
    Return on assets (ROA): 1.27% ($2.1 mil)
    Quarterly return on assets: 1.67% ($2.7 mil)
    Return on Equity (ROE): 14.59% ($2.0 mil)
    Quarterly return on equity: 18.83% ($2.6 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.27% ($2,056.9 mil)
    Quarterly Pretax return on assets: 1.67% ($2,704.7 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
  • 44Total employees (full-time equivalent)
  • $161,960Total assets
  • $1,649Cash and due from depository institutions
  • $0Interest-bearing balances
  • $54,701Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $98,060Net loans & leases
  • $962Loan loss allowance
  • $0Trading account assets
  • $3,258Bank premises and fixed assets
  • $1,560Other real estate owned
  • $0Goodwill and other intangibles
  • $161,960Life insurance assets
  • $2,732All other assets
  • $147,706Total liabilities and capital
  • $142,978Total liabilities
  • $87,058Total deposits
  • $142,978Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 4250.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $478Subordinated debt
  • $14,254All other liabilities
  • $14,254Total equity capital
  • $14,254Total bank equity capital
  • $0Perpetual preferred stock
  • $812Common stock
  • $2,875Surplus
  • $10,567Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $9,995Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,324Income earned, not collected on loans
  • $0Earning assets
  • $1,105Long-term assets (5+ years)
  • $152,761Average Assets, year-to-date
  • $57,967Average Assets, quarterly
  • $149,899Volatile liabilities
  • $159,728Insider loans
  • $97,353FHLB advances
  • $161,028Loans and leases held for sale
  • $608Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,065Tier 2 risk-based capital
  • $608Total risk weighted assets
  • $0Total unused commitments
  • $9,990Restructured Loans and leases
  • $2,764Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,919Total interest income
  • $1,190Total interest expense
  • $5,729Net interest income
  • $103Provision for loan and lease losses
  • $863Total noninterest income
  • $0Fiduciary activities
  • $396Service charges on deposit accounts
  • $0Trading account gains & fees
  • $467Additional noninterest income
  • $4,834Total noninterest expense
  • $2,342Salaries and employee benefits
  • $700Premises and equipment expense
  • $1,792Additional noninterest expense
  • $1,655Pre-tax net operating income
  • $256Securities gains (losses)
  • $0Applicable income taxes
  • $1,911Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,911Net income attributable to bank
  • $0Net charge-offs
  • $1,911Cash dividends
  • $170Sale, conversion, retirement of capital stock, net
  • $490Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 14.59%Return on equity (ROE)
  • 10.85%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 60.59%Credit loss provision to net charge-offs
  • 10.34%Efficiency ratio
  • 73,331Assets per employee
  • 3.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.64%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 72.66%Noncurrent assets plus other real estate owned to assets
  • 1.78%Noncurrent loans to loans
  • 1.34%Net loans and leases to deposits
  • 68.58%Net loans and leases to core deposits
  • 74.05%Equity capital to assets
  • 8.80%Core capital (leverage) ratio
  • 8.11%Tier 1 risk-based capital ratio
  • 13.42%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $149,899Average earning assets
  • $13,100Average equity
  • $140,151Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09675The Hondo National Bank1112 Eighteenth Street, Hondo, TX 78861January 01, 1934Full Service Brick and Mortar
    1233719Bandera Branch355 Highway 16 South, Bandera, TX 78003June 17, 1998Full Service Brick and Mortar
    2419923Uvalde Branch702 E Main, Uvalde, TX 78801Febuary 24, 2003Full Service Brick and Mortar
    3457641Hondo National Bank, Leakey Branch410 South U.S. Highway 83, Leakey, TX 78873December 07, 2006Full Service Brick and Mortar

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