The Hondo National Bank in Hondo, Texas (TX)
| The Hondo National Bank | |
|---|---|
| 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 WWW: http://www.hondonationalbank.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: 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 44 |
| Total assets | $161,960 |
| Cash and due from depository institutions | $1,649 |
| Interest-bearing balances | $0 |
| Securities | $54,701 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $98,060 |
| Loan loss allowance | $962 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $3,258 |
| Other real estate owned | $1,560 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,732 |
| Life insurance assets | $161,960 |
| Total liabilities and capital | $147,706 |
| Total liabilities | $142,978 |
| Total deposits | $87,058 |
| Interest-bearing deposits | $142,978 |
| Deposits held in domestic offices | $89 |
| % insured (estimated) | 4250.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $478 |
| All other liabilities | $14,254 |
| Total equity capital | $14,254 |
| Total bank equity capital | $14,254 |
| Perpetual preferred stock | $0 |
| Common stock | $812 |
| Surplus | $2,875 |
| Undivided profits | $10,567 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $9,995 |
| Income earned, not collected on loans | $1,324 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $1,105 |
| Average Assets, year-to-date | $152,761 |
| Average Assets, quarterly | $57,967 |
| Volatile liabilities | $149,899 |
| Insider loans | $159,728 |
| FHLB advances | $97,353 |
| Loans and leases held for sale | $161,028 |
| Unused loan commitments | $608 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $13,065 |
| Total risk weighted assets | $608 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $9,990 |
| Derivatives | $2,764 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $6,919 |
| Total interest expense | $1,190 |
| Net interest income | $5,729 |
| Provision for loan and lease losses | $103 |
| Total noninterest income | $863 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $396 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $467 |
| Total noninterest expense | $4,834 |
| Salaries and employee benefits | $2,342 |
| Premises and equipment expense | $700 |
| Additional noninterest expense | $1,792 |
| Pre-tax net operating income | $1,655 |
| Securities gains (losses) | $256 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $1,911 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,911 |
| Net charge-offs | $0 |
| Cash dividends | $1,911 |
| Sale, conversion, retirement of capital stock, net | $170 |
| Net operating income | $490 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.94% |
| Cost of funding earning assets | 0.85% |
| Net interest margin | 4.09% |
| Noninterest income to earning assets | 0.62% |
| Noninterest expense to earning assets | 3.45% |
| Net operating income to assets | 1.10% |
| Return on assets (ROA) | 1.27% |
| Pretax return on assets | 1.27% |
| Return on equity (ROE) | 14.59% |
| Retained earnings to average equity (YTD only) | 10.85% |
| Net charge-offs to loans | 0.20% |
| Credit loss provision to net charge-offs | 60.59% |
| Efficiency ratio | 10.34% |
| Assets per employee | $73,331 |
| Cash dividends to net income (YTD only) | 3.68% |
| Condition Ratios (%) | |
| Loss allowance to loans | 25.64% |
| Loss allowance to noncurrent loans | 0.97% |
| Noncurrent assets plus other real estate owned to assets | 72.66% |
| Noncurrent loans to loans | 1.78% |
| Net loans and leases to deposits | 1.34% |
| Net loans and leases to core deposits | 68.58% |
| Equity capital to assets | 74.05% |
| Core capital (leverage) ratio | 8.80% |
| Tier 1 risk-based capital ratio | 8.11% |
| Total risk-based capital ratio | 13.42% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $149,899 |
| Average equity | $13,100 |
| Average loans | $140,151 |
| 4 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 9675 | The Hondo National Bank | 1112 Eighteenth Street, Hondo, TX 78861 | January 01, 1934 | Full Service Brick and Mortar |  |
| 1 | 233719 | Bandera Branch | 355 Highway 16 South, Bandera, TX 78003 | June 17, 1998 | Full Service Brick and Mortar |  |
| 2 | 419923 | Uvalde Branch | 702 E Main, Uvalde, TX 78801 | Febuary 24, 2003 | Full Service Brick and Mortar | |
| 3 | 457641 | Hondo National Bank, Leakey Branch | 410 South U.S. Highway 83, Leakey, TX 78873 | December 07, 2006 | Full Service Brick and Mortar | |
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