Call reports 2008
STATE NATIONAL BANK OF GROOM, THE — 2008
What STATE NATIONAL BANK OF GROOM, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 36,891,000 | 36,817,000 | 36,327,000 | 35,066,000 |
| Total loans | 24,503,000 | 25,546,000 | 25,375,000 | 25,517,000 |
| Allowance for loan losses | 347,000 | 354,000 | 329,000 | 327,000 |
| Securities available for sale | 1,515,000 | 952,000 | 990,000 | 2,995,000 |
| Securities held to maturity | 2,982,000 | 3,232,000 | 3,165,000 | 2,834,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,045,000 | 34,028,000 | 33,519,000 | 32,289,000 |
| Interest-bearing deposits | 29,790,000 | 28,270,000 | 28,726,000 | 27,724,000 |
| Noninterest-bearing deposits | 4,255,000 | 5,758,000 | 4,793,000 | 4,565,000 |
| Equity capital | 2,729,000 | 2,662,000 | 2,678,000 | 2,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,070,000 | 1,559,000 | 2,040,000 |
| Interest expense | 228,000 | 408,000 | 570,000 | 701,000 |
| Net interest income | 340,000 | 662,000 | 989,000 | 1,339,000 |
| Noninterest income | 26,000 | 43,000 | 62,000 | 70,000 |
| Noninterest expense | 306,000 | 596,000 | 930,000 | 1,238,000 |
| Provision for loan losses | 7,000 | 14,000 | 15,000 | 15,000 |
| Pretax income | 53,000 | 95,000 | 106,000 | 156,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 53,000 | 95,000 | 106,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,709,000 | 2,657,000 | 2,668,000 | 2,708,000 |
| Total capital | 3,036,000 | 3,000,000 | 2,997,000 | 3,035,000 |
| Risk-weighted assets | 26,103,000 | 27,483,000 | 27,437,000 | 28,472,000 |