Call reports 2007
STATE NATIONAL BANK OF GROOM, THE — 2007
What STATE NATIONAL BANK OF GROOM, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 36,710,000 | 35,102,000 | 36,936,000 | 35,797,000 |
| Total loans | 23,910,000 | 24,733,000 | 25,464,000 | 25,717,000 |
| Allowance for loan losses | 307,000 | 319,000 | 330,000 | 338,000 |
| Securities available for sale | 1,776,000 | 2,123,000 | 1,808,000 | 1,704,000 |
| Securities held to maturity | 767,000 | 768,000 | 1,240,000 | 1,226,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,968,000 | 32,383,000 | 34,102,000 | 32,949,000 |
| Interest-bearing deposits | 29,879,000 | 29,415,000 | 30,329,000 | 28,638,000 |
| Noninterest-bearing deposits | 4,089,000 | 2,968,000 | 3,773,000 | 4,311,000 |
| Equity capital | 2,655,000 | 2,619,000 | 2,704,000 | 2,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 637,000 | 1,306,000 | 1,969,000 | 2,623,000 |
| Interest expense | 281,000 | 584,000 | 888,000 | 1,164,000 |
| Net interest income | 356,000 | 722,000 | 1,081,000 | 1,459,000 |
| Noninterest income | 13,000 | 26,000 | 40,000 | 53,000 |
| Noninterest expense | 273,000 | 555,000 | 838,000 | 1,132,000 |
| Provision for loan losses | 7,000 | 19,000 | 31,000 | 43,000 |
| Pretax income | 89,000 | 174,000 | 252,000 | 337,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 89,000 | 174,000 | 252,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,654,000 | 2,617,000 | 2,695,000 | 2,768,000 |
| Total capital | 2,961,000 | 2,936,000 | 3,025,000 | 3,106,000 |
| Risk-weighted assets | 25,972,000 | 26,296,000 | 27,380,000 | 26,951,000 |