Call reports 2016
STATE NATIONAL BANK OF GROOM, THE — 2016
What STATE NATIONAL BANK OF GROOM, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 38,993,000 | 36,916,000 | 36,427,000 | 34,704,000 |
| Total loans | 25,679,000 | 25,129,000 | 28,620,000 | 27,044,000 |
| Allowance for loan losses | 439,000 | 474,000 | 503,000 | 525,000 |
| Securities available for sale | 2,078,000 | 2,077,000 | 1,576,000 | 1,674,000 |
| Securities held to maturity | 1,878,000 | 1,852,000 | 1,730,000 | 1,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,477,000 | 33,389,000 | 32,872,000 | 31,176,000 |
| Interest-bearing deposits | 29,770,000 | 26,703,000 | 27,012,000 | 25,402,000 |
| Noninterest-bearing deposits | 5,707,000 | 6,686,000 | 5,860,000 | 5,774,000 |
| Equity capital | 3,479,000 | 3,493,000 | 3,508,000 | 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 | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 378,000 | 748,000 | 1,138,000 | 1,537,000 |
| Interest expense | 38,000 | 69,000 | 96,000 | 122,000 |
| Net interest income | 340,000 | 679,000 | 1,042,000 | 1,415,000 |
| Noninterest income | 26,000 | 52,000 | 81,000 | 113,000 |
| Noninterest expense | 342,000 | 687,000 | 1,058,000 | 1,454,000 |
| Provision for loan losses | 51,000 | 56,000 | 62,000 | 62,000 |
| Pretax income | -27,000 | -12,000 | 3,000 | 12,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -27,000 | -12,000 | 3,000 | 12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,479,000 | 3,493,000 | 3,508,000 | 3,514,000 |
| Total capital | 3,852,000 | 3,851,000 | 3,902,000 | 3,894,000 |
| Risk-weighted assets | 29,812,000 | 28,560,000 | 31,373,000 | 30,257,000 |