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

The Ozona National Bank - Overview

  • General
  • FDIC Certificate #: 3376
    Status: Active
    Federal Reserve ID: 780263
    Bank Holding Company (Regulatory Top Holder): Onb Bancshares, Inc. (RSSDID: 3491869, Location: Ozona, TX)
    Date Established: June 01, 1905
    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: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 2193
    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: 503-505 11th 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
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $213.2 mil
    Equity capital: $22.5 mil
    Deposits held in domestic offices: $189.9 mil
    Return on assets (ROA): 0.12% ($0.3 mil)
    Quarterly return on assets: 0.75% ($1.6 mil)
    Return on Equity (ROE): 1.13% ($0.2 mil)
    Quarterly return on equity: 7.11% ($1.6 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.12% ($255.8 mil)
    Quarterly Pretax return on assets: 0.75% ($1,598.7 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
  • 74Total employees (full-time equivalent)
  • $213,162Total assets
  • $29,346Cash and due from depository institutions
  • $20,961Interest-bearing balances
  • $64,091Securities
  • $1,600Federal funds sold & reverse repurchase agreements
  • $109,835Net loans & leases
  • $1,708Loan loss allowance
  • $0Trading account assets
  • $4,766Bank premises and fixed assets
  • $285Other real estate owned
  • $0Goodwill and other intangibles
  • $213,162Life insurance assets
  • $3,239All other assets
  • $190,677Total liabilities and capital
  • $189,907Total liabilities
  • $126,014Total deposits
  • $189,907Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $770Subordinated debt
  • $22,485All other liabilities
  • $22,485Total equity capital
  • $22,485Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $600Surplus
  • $21,485Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,590Income earned, not collected on loans
  • $848Earning assets
  • $1,205Long-term assets (5+ years)
  • $196,487Average Assets, year-to-date
  • $64,561Average Assets, quarterly
  • $203,012Volatile liabilities
  • $213,184Insider loans
  • $121,609FHLB advances
  • $213,990Loans and leases held for sale
  • $1,185Unused loan commitments
  • $1,185Tier 1 (core) risk-based capital
  • $21,437Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,755Restructured Loans and leases
  • $328Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,870Total interest income
  • $703Total interest expense
  • $7,167Net interest income
  • $359Provision for loan and lease losses
  • $1,448Total noninterest income
  • $0Fiduciary activities
  • $643Service charges on deposit accounts
  • $0Trading account gains & fees
  • $805Additional noninterest income
  • $8,006Total noninterest expense
  • $3,853Salaries and employee benefits
  • $1,269Premises and equipment expense
  • $2,884Additional noninterest expense
  • $250Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $250Income before extraordinary items
  • $0Extraordinary gains - net
  • $250Net income attributable to bank
  • $0Net charge-offs
  • $250Cash dividends
  • $74Sale, conversion, retirement of capital stock, net
  • $65Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.22%Yield on earning assets
  • 0.38%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 4.29%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.12%Return on assets (ROA)
  • 0.12%Pretax return on assets
  • 1.13%Return on equity (ROE)
  • 0.84%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 485.14%Credit loss provision to net charge-offs
  • 8.23%Efficiency ratio
  • 92,931Assets per employee
  • 2.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.00%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 37.21%Noncurrent assets plus other real estate owned to assets
  • 2.29%Noncurrent loans to loans
  • 4.12%Net loans and leases to deposits
  • 57.84%Net loans and leases to core deposits
  • 62.00%Equity capital to assets
  • 10.55%Core capital (leverage) ratio
  • 10.02%Tier 1 risk-based capital ratio
  • 17.63%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $203,012Average earning assets
  • $22,069Average equity
  • $186,664Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02193The Ozona National Bank503-505 11th Street, Ozona, TX 76943June 01, 1905Full Service Brick and Mortar
    114853Wimberley BranchRanch Road 12 And River Road, Wimberley, TX 78676March 15, 1974Full Service Brick and Mortar
    2252929Drive-Thru FacilityRanch Road 12 And River Road, Wimberley, TX 78676April 08, 1985Limited Service Facility
    3196380San Marcos Branch141 West Hopkins, San Marcos, TX 78666April 12, 1999Full Service Brick and Mortar, Ozona, TX 76943July 10, 2000Full Service Cyber
    5468007Ozona National Bank1301 Highway 59 North, Bowie, TX 76230August 06, 2007Full Service Brick and Mortar

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