The State National Bank of Groom in Groom, Texas (TX)



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The State National Bank of Groom routing number info

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The State National Bank of Groom
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Change in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)11
Total assets$40,802
Cash and due from depository institutions$2,413
Interest-bearing balances$0
Securities$3,626
Federal funds sold & reverse repurchase agreements$5,000
Net loans & leases$28,903
Loan loss allowance $530
Trading account assets$0
Bank premises and fixed assets$259
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$601
Life insurance assets$40,802
Total liabilities and capital$37,852
Total liabilities$37,833
Total deposits$31,328
Interest-bearing deposits$37,833
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $19
All other liabilities $2,950
Total equity capital$2,950
Total bank equity capital$2,950
Perpetual preferred stock$0
Common stock$100
Surplus$1,004
Undivided profits $1,846
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $995
Earning assets $0
Long-term assets (5+ years) $403
Average Assets, year-to-date $37,529
Average Assets, quarterly $7,896
Volatile liabilities $37,583
Insider loans $39,221
FHLB advances $30,850
Loans and leases held for sale $39,704
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,950
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,031
Derivatives$4,194
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,824
Total interest expense $216
Net interest income $1,608
Provision for loan and lease losses $214
Total noninterest income $97
Fiduciary activities $0
Service charges on deposit accounts $86
Trading account gains & fees $0
Additional noninterest income $11
Total noninterest expense $1,308
Salaries and employee benefits $525
Premises and equipment expense $199
Additional noninterest expense $584
Pre-tax net operating income $183
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $183
Extraordinary gains - net $0
Net income attributable to bank $183
Net charge-offs $0
Cash dividends $183
Sale, conversion, retirement of capital stock, net $23
Net operating income $19
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.30%
Cost of funding earning assets 0.63%
Net interest margin 4.67%
Noninterest income to earning assets 0.28%
Noninterest expense to earning assets 3.80%
Net operating income to assets 0.49%
Return on assets (ROA) 0.49%
Pretax return on assets 0.49%
Return on equity (ROE) 6.31%
Retained earnings to average equity (YTD only) 5.66%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 930.43%
Efficiency ratio17.26%
Assets per employee$76,716
Cash dividends to net income (YTD only)3.71%
Condition Ratios (%)
Loss allowance to loans 10.38%
Loss allowance to noncurrent loans 1.80%
Noncurrent assets plus other real estate owned to assets 53.27%
Noncurrent loans to loans 2.44%
Net loans and leases to deposits3.38%
Net loans and leases to core deposits 76.40%
Equity capital to assets 77.14%
Core capital (leverage) ratio 7.23%
Tier 1 risk-based capital ratio 7.43%
Total risk-based capital ratio 9.56%
Memoranda
Average assets$11
Average earning assets$37,583
Average equity $2,900
Average loans $34,415
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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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