Call reports 2015
STATE NATIONAL BANK OF GROOM, THE — 2015
What STATE NATIONAL BANK OF GROOM, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 37,597,000 | 35,681,000 | 34,642,000 | 36,838,000 |
| Total loans | 25,498,000 | 27,784,000 | 27,194,000 | 25,874,000 |
| Allowance for loan losses | 391,000 | 396,000 | 403,000 | 414,000 |
| Securities available for sale | 1,734,000 | 1,429,000 | 1,429,000 | 1,576,000 |
| Securities held to maturity | 2,090,000 | 2,055,000 | 1,931,000 | 1,906,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,344,000 | 32,218,000 | 31,098,000 | 33,309,000 |
| Interest-bearing deposits | 27,682,000 | 26,688,000 | 25,990,000 | 28,161,000 |
| Noninterest-bearing deposits | 6,662,000 | 5,530,000 | 5,108,000 | 5,148,000 |
| Equity capital | 3,227,000 | 3,420,000 | 3,481,000 | 3,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 374,000 | 757,000 | 1,161,000 | 1,546,000 |
| Interest expense | 34,000 | 64,000 | 91,000 | 122,000 |
| Net interest income | 340,000 | 693,000 | 1,070,000 | 1,424,000 |
| Noninterest income | 42,000 | 87,000 | 115,000 | 147,000 |
| Noninterest expense | 330,000 | 689,000 | 1,017,000 | 1,355,000 |
| Provision for loan losses | 84,000 | 90,000 | 96,000 | 107,000 |
| Pretax income | -32,000 | 1,000 | 72,000 | 109,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -32,000 | 1,000 | 72,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,227,000 | 3,420,000 | 3,481,000 | 3,516,000 |
| Total capital | 3,581,000 | 3,793,000 | 3,842,000 | 3,887,000 |
| Risk-weighted assets | 28,331,000 | 29,844,000 | 28,841,000 | 29,649,000 |