Call reports 2004
FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS — 2004
What FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 101,349,000 | 102,702,000 | 104,731,000 | 113,642,000 |
| Total loans | 78,397,000 | 78,309,000 | 83,793,000 | 95,026,000 |
| Allowance for loan losses | 826,000 | 821,000 | 945,000 | 1,002,000 |
| Securities available for sale | 9,832,000 | 11,946,000 | 12,902,000 | 9,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,751,000 | 93,772,000 | 91,825,000 | 95,374,000 |
| Interest-bearing deposits | 74,068,000 | 73,955,000 | 71,792,000 | 72,581,000 |
| Noninterest-bearing deposits | 18,683,000 | 19,817,000 | 20,033,000 | 22,793,000 |
| Equity capital | 7,632,000 | 7,956,000 | 8,409,000 | 8,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 2,959,000 | 4,465,000 | 6,147,000 |
| Interest expense | 307,000 | 613,000 | 918,000 | 1,258,000 |
| Net interest income | 1,147,000 | 2,346,000 | 3,547,000 | 4,889,000 |
| Noninterest income | 348,000 | 693,000 | 1,046,000 | 1,385,000 |
| Noninterest expense | 806,000 | 1,655,000 | 2,466,000 | 3,418,000 |
| Provision for loan losses | 78,000 | 93,000 | 232,000 | 364,000 |
| Pretax income | 611,000 | 1,291,000 | 1,895,000 | 2,478,000 |
| Income tax | 207,000 | 438,000 | 643,000 | 791,000 |
| Net income | 404,000 | 853,000 | 1,252,000 | 1,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,614,000 | 8,063,000 | 8,462,000 | 8,897,000 |
| Total capital | 8,440,000 | 8,884,000 | 9,407,000 | 9,899,000 |
| Risk-weighted assets | 78,255,000 | 79,011,000 | 82,301,000 | 93,102,000 |