The Ozona National Bank in Ozona, Texas (TX)

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The Ozona National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)74
Total assets$213,162
Cash and due from depository institutions$29,346
Interest-bearing balances$20,961
Federal funds sold & reverse repurchase agreements$1,600
Net loans & leases$109,835
Loan loss allowance $1,708
Trading account assets$0
Bank premises and fixed assets$4,766
Other real estate owned$285
Goodwill and other intangibles$0
All other assets$3,239
Life insurance assets$213,162
Total liabilities and capital$190,677
Total liabilities$189,907
Total deposits$126,014
Interest-bearing deposits$189,907
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $770
All other liabilities $22,485
Total equity capital$22,485
Total bank equity capital$22,485
Perpetual preferred stock$0
Common stock$400
Undivided profits $21,485
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,590
Earning assets $848
Long-term assets (5+ years) $1,205
Average Assets, year-to-date $196,487
Average Assets, quarterly $64,561
Volatile liabilities $203,012
Insider loans $213,184
FHLB advances $121,609
Loans and leases held for sale $213,990
Unused loan commitments $1,185
Tier 1 (core) risk-based capital $1,185
Tier 2 risk-based capital $21,437
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $16,755
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,870
Total interest expense $703
Net interest income $7,167
Provision for loan and lease losses $359
Total noninterest income $1,448
Fiduciary activities $0
Service charges on deposit accounts $643
Trading account gains & fees $0
Additional noninterest income $805
Total noninterest expense $8,006
Salaries and employee benefits $3,853
Premises and equipment expense $1,269
Additional noninterest expense $2,884
Pre-tax net operating income $250
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $250
Extraordinary gains - net $0
Net income attributable to bank $250
Net charge-offs $0
Cash dividends $250
Sale, conversion, retirement of capital stock, net $74
Net operating income $65
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.22%
Cost of funding earning assets 0.38%
Net interest margin 3.84%
Noninterest income to earning assets 0.78%
Noninterest expense to earning assets 4.29%
Net operating income to assets 0.12%
Return on assets (ROA) 0.12%
Pretax return on assets 0.12%
Return on equity (ROE) 1.13%
Retained earnings to average equity (YTD only) 0.84%
Net charge-offs to loans 0.07%
Credit loss provision to net charge-offs 485.14%
Efficiency ratio8.23%
Assets per employee$92,931
Cash dividends to net income (YTD only)2.88%
Condition Ratios (%)
Loss allowance to loans 26.00%
Loss allowance to noncurrent loans 1.53%
Noncurrent assets plus other real estate owned to assets 37.21%
Noncurrent loans to loans 2.29%
Net loans and leases to deposits4.12%
Net loans and leases to core deposits 57.84%
Equity capital to assets 62.00%
Core capital (leverage) ratio 10.55%
Tier 1 risk-based capital ratio 10.02%
Total risk-based capital ratio 17.63%
Average assets$19
Average earning assets$203,012
Average equity $22,069
Average loans $186,664
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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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