Call reports 2005
STATE NATIONAL BANK OF GROOM, THE — 2005
What STATE NATIONAL BANK OF GROOM, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 27,229,000 | 28,888,000 | 30,421,000 | 32,899,000 |
| Total loans | 18,897,000 | 22,455,000 | 24,621,000 | 23,054,000 |
| Allowance for loan losses | 191,000 | 203,000 | 200,000 | 237,000 |
| Securities available for sale | 1,156,000 | 1,158,000 | 1,153,000 | 1,295,000 |
| Securities held to maturity | 1,070,000 | 1,062,000 | 935,000 | 934,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,883,000 | 26,478,000 | 28,066,000 | 30,446,000 |
| Interest-bearing deposits | 22,017,000 | 22,760,000 | 23,928,000 | 26,235,000 |
| Noninterest-bearing deposits | 2,866,000 | 3,718,000 | 4,138,000 | 4,211,000 |
| Equity capital | 2,332,000 | 2,379,000 | 2,311,000 | 2,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 363,000 | 782,000 | 1,274,000 | 1,824,000 |
| Interest expense | 89,000 | 203,000 | 359,000 | 544,000 |
| Net interest income | 274,000 | 579,000 | 915,000 | 1,280,000 |
| Noninterest income | 17,000 | 30,000 | 44,000 | 58,000 |
| Noninterest expense | 239,000 | 497,000 | 757,000 | 1,022,000 |
| Provision for loan losses | 16,000 | 28,000 | 185,000 | 212,000 |
| Pretax income | 36,000 | 84,000 | 17,000 | 104,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 36,000 | 84,000 | 17,000 | 104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,335,000 | 2,383,000 | 2,316,000 | 2,402,000 |
| Total capital | 2,526,000 | 2,586,000 | 2,516,000 | 2,639,000 |
| Risk-weighted assets | 19,763,000 | 23,078,000 | 23,837,000 | 22,978,000 |