Call reports 2006
STATE NATIONAL BANK OF GROOM, THE — 2006
What STATE NATIONAL BANK OF GROOM, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 32,999,000 | 32,204,000 | 30,783,000 | 33,136,000 |
| Total loans | 19,521,000 | 20,280,000 | 22,727,000 | 22,974,000 |
| Allowance for loan losses | 252,000 | 264,000 | 279,000 | 304,000 |
| Securities available for sale | 1,690,000 | 4,363,000 | 2,330,000 | 1,940,000 |
| Securities held to maturity | 809,000 | 808,000 | 778,000 | 767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,479,000 | 29,652,000 | 28,110,000 | 30,428,000 |
| Interest-bearing deposits | 26,916,000 | 26,514,000 | 25,295,000 | 26,591,000 |
| Noninterest-bearing deposits | 3,563,000 | 3,138,000 | 2,815,000 | 3,837,000 |
| Equity capital | 2,480,000 | 2,494,000 | 2,592,000 | 2,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 560,000 | 1,136,000 | 1,741,000 | 2,353,000 |
| Interest expense | 219,000 | 456,000 | 712,000 | 966,000 |
| Net interest income | 341,000 | 680,000 | 1,029,000 | 1,387,000 |
| Noninterest income | 17,000 | 32,000 | 46,000 | 65,000 |
| Noninterest expense | 260,000 | 528,000 | 788,000 | 1,086,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 83,000 | 154,000 | 242,000 | 306,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 83,000 | 154,000 | 242,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,486,000 | 2,507,000 | 2,595,000 | 2,635,000 |
| Total capital | 2,738,000 | 2,771,000 | 2,874,000 | 2,939,000 |
| Risk-weighted assets | 22,091,000 | 22,336,000 | 24,283,000 | 24,867,000 |