The State National Bank of Groom in Groom, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The State National Bank of Groom - Overview

  • General
  • FDIC Certificate #: 3237
    Status: Active
    Federal Reserve ID: 460556
    Bank Holding Company (Regulatory Top Holder): Groom Bancshares, Inc. (RSSDID: 1103234, Location: Groom, TX)
    Date Established: May 01, 1925
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 2088
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 14, 2006
    Last Structure Change Process Date: August 30, 2006
    Last Data Update: August 30, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 99 Broadway, Groom, TX 79039
    County: Carson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Amarillo, TX (#11100)
    CBSA Metro Statistical Area: Amarillo, TX (#11100)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Change in Location
  • Financial Summary
  • Total assets: $40.8 mil
    Equity capital: $3.0 mil
    Deposits held in domestic offices: $37.8 mil
    Return on assets (ROA): 0.49% ($0.2 mil)
    Quarterly return on assets: -0.24% (-$0.1 mil)
    Return on Equity (ROE): 6.31% ($0.2 mil)
    Quarterly return on equity: -3.23% (-$0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.49% ($199.9 mil)
    Quarterly Pretax return on assets: -0.24% (-$97.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 11Total employees (full-time equivalent)
  • $40,802Total assets
  • $2,413Cash and due from depository institutions
  • $0Interest-bearing balances
  • $3,626Securities
  • $5,000Federal funds sold & reverse repurchase agreements
  • $28,903Net loans & leases
  • $530Loan loss allowance
  • $0Trading account assets
  • $259Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $40,802Life insurance assets
  • $601All other assets
  • $37,852Total liabilities and capital
  • $37,833Total liabilities
  • $31,328Total deposits
  • $37,833Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $19Subordinated debt
  • $2,950All other liabilities
  • $2,950Total equity capital
  • $2,950Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,004Surplus
  • $1,846Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $995Income earned, not collected on loans
  • $0Earning assets
  • $403Long-term assets (5+ years)
  • $37,529Average Assets, year-to-date
  • $7,896Average Assets, quarterly
  • $37,583Volatile liabilities
  • $39,221Insider loans
  • $30,850FHLB advances
  • $39,704Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,950Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,031Restructured Loans and leases
  • $4,194Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,824Total interest income
  • $216Total interest expense
  • $1,608Net interest income
  • $214Provision for loan and lease losses
  • $97Total noninterest income
  • $0Fiduciary activities
  • $86Service charges on deposit accounts
  • $0Trading account gains & fees
  • $11Additional noninterest income
  • $1,308Total noninterest expense
  • $525Salaries and employee benefits
  • $199Premises and equipment expense
  • $584Additional noninterest expense
  • $183Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $183Income before extraordinary items
  • $0Extraordinary gains - net
  • $183Net income attributable to bank
  • $0Net charge-offs
  • $183Cash dividends
  • $23Sale, conversion, retirement of capital stock, net
  • $19Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 4.67%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 3.80%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.49%Pretax return on assets
  • 6.31%Return on equity (ROE)
  • 5.66%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 930.43%Credit loss provision to net charge-offs
  • 17.26%Efficiency ratio
  • 76,716Assets per employee
  • 3.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 10.38%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 53.27%Noncurrent assets plus other real estate owned to assets
  • 2.44%Noncurrent loans to loans
  • 3.38%Net loans and leases to deposits
  • 76.40%Net loans and leases to core deposits
  • 77.14%Equity capital to assets
  • 7.23%Core capital (leverage) ratio
  • 7.43%Tier 1 risk-based capital ratio
  • 9.56%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $37,583Average earning assets
  • $2,900Average equity
  • $34,415Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02088The State National Bank Of Groom99 Broadway, Groom, TX 79039May 01, 1925Full Service Brick and Mortar
    1442018Amarillo Branch101 S. E. 11th Avenue. Suite 100, Amarillo, TX 79101November 03, 2003Full Service Brick and Mortar

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