Call reports 2005
FIRST NATIONAL BANK TEXAS DBA FIRST CONVENIENCE BANK — 2005
What FIRST NATIONAL BANK TEXAS DBA FIRST CONVENIENCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 603,732,000 | 610,467,000 | 592,906,000 | 617,638,000 |
| Total loans | 239,744,000 | 252,291,000 | 253,703,000 | 249,417,000 |
| Allowance for loan losses | 2,538,000 | 2,850,000 | 2,958,000 | 3,214,000 |
| Securities available for sale | 202,849,000 | 190,755,000 | 177,279,000 | 183,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 539,670,000 | 547,070,000 | 537,298,000 | 559,941,000 |
| Interest-bearing deposits | 289,146,000 | 292,908,000 | 292,243,000 | 310,922,000 |
| Noninterest-bearing deposits | 250,524,000 | 254,162,000 | 245,055,000 | 249,019,000 |
| Equity capital | 43,072,000 | 42,549,000 | 41,852,000 | 40,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,143,000 | 10,869,000 | 16,769,000 | 22,987,000 |
| Interest expense | 861,000 | 1,979,000 | 3,257,000 | 4,755,000 |
| Net interest income | 4,282,000 | 8,890,000 | 13,512,000 | 18,232,000 |
| Noninterest income | 39,372,000 | 78,538,000 | 115,626,000 | 151,187,000 |
| Noninterest expense | 37,008,000 | 74,487,000 | 112,277,000 | 150,326,000 |
| Provision for loan losses | 474,000 | 1,368,000 | 2,502,000 | 3,730,000 |
| Pretax income | 6,172,000 | 11,573,000 | 14,359,000 | 15,364,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,172,000 | 11,573,000 | 14,359,000 | 15,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,157,000 | 42,923,000 | 43,300,000 | 42,800,000 |
| Total capital | 46,695,000 | 45,773,000 | 46,259,000 | 46,014,000 |
| Risk-weighted assets | 267,047,000 | 296,702,000 | 295,719,000 | 295,236,000 |
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