Call reports 2025
STATE NATIONAL BANK OF GROOM, THE — 2025
What STATE NATIONAL BANK OF GROOM, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 59,404,000 | 60,605,000 | 61,277,000 | 62,268,000 |
| Total loans | 42,060,000 | 45,260,000 | 46,090,000 | 48,293,000 |
| Allowance for loan losses | 913,000 | 912,000 | 881,000 | 945,000 |
| Securities available for sale | 2,965,000 | 3,663,000 | 3,194,000 | 5,383,000 |
| Securities held to maturity | 1,917,000 | 2,363,000 | 1,989,000 | 604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,738,000 | 52,555,000 | 53,815,000 | 54,932,000 |
| Interest-bearing deposits | 43,721,000 | 45,148,000 | 45,677,000 | 45,880,000 |
| Noninterest-bearing deposits | 8,017,000 | 7,407,000 | 8,138,000 | 9,052,000 |
| Equity capital | 7,556,000 | 7,589,000 | 7,189,000 | 7,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 908,000 | 1,946,000 | 2,932,000 | 3,987,000 |
| Interest expense | 335,000 | 749,000 | 1,154,000 | 1,592,000 |
| Net interest income | 573,000 | 1,197,000 | 1,778,000 | 2,395,000 |
| Noninterest income | 29,000 | 84,000 | 133,000 | 176,000 |
| Noninterest expense | 667,000 | 1,331,000 | 2,559,000 | 3,222,000 |
| Provision for loan losses | 1,037,000 | 1,037,000 | 949,000 | 949,000 |
| Pretax income | -1,102,000 | -1,087,000 | -1,597,000 | -1,600,000 |
| Income tax | -204,000 | -201,000 | -297,000 | -285,000 |
| Net income | -898,000 | -886,000 | -1,300,000 | -1,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,642,000 | 7,654,000 | 7,241,000 | 7,199,000 |
| Total capital | 7,911,000 | 7,991,000 | 7,628,000 | 7,862,000 |
| Risk-weighted assets | 46,953,000 | 49,448,000 | 50,464,000 | 52,784,000 |