Call reports 2003
FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS — 2003
What FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 87,296,000 | 89,258,000 | 91,216,000 | 95,548,000 |
| Total loans | 69,743,000 | 65,736,000 | 69,503,000 | 75,324,000 |
| Allowance for loan losses | 688,000 | 701,000 | 741,000 | 768,000 |
| Securities available for sale | 8,606,000 | 12,957,000 | 13,467,000 | 10,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,743,000 | 81,872,000 | 83,289,000 | 87,609,000 |
| Interest-bearing deposits | 64,555,000 | 66,099,000 | 66,346,000 | 69,879,000 |
| Noninterest-bearing deposits | 14,188,000 | 15,773,000 | 16,943,000 | 17,730,000 |
| Equity capital | 6,458,000 | 6,744,000 | 6,932,000 | 7,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,268,000 | 2,551,000 | 3,863,000 | 5,222,000 |
| Interest expense | 341,000 | 676,000 | 994,000 | 1,299,000 |
| Net interest income | 927,000 | 1,875,000 | 2,869,000 | 3,923,000 |
| Noninterest income | 284,000 | 627,000 | 921,000 | 1,298,000 |
| Noninterest expense | 724,000 | 1,591,000 | 2,499,000 | 3,424,000 |
| Provision for loan losses | 162,000 | 187,000 | 232,000 | 315,000 |
| Pretax income | 372,000 | 771,000 | 1,106,000 | 1,529,000 |
| Income tax | 124,000 | 258,000 | 370,000 | 513,000 |
| Net income | 248,000 | 513,000 | 736,000 | 1,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,442,000 | 6,707,000 | 6,930,000 | 7,210,000 |
| Total capital | 7,130,000 | 7,408,000 | 7,671,000 | 7,978,000 |
| Risk-weighted assets | 68,459,000 | 66,333,000 | 68,786,000 | 74,466,000 |