Call reports 2005
FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS — 2005
What FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS 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 | 121,677,000 | 135,784,000 | 146,360,000 | 148,942,000 |
| Total loans | 101,253,000 | 107,533,000 | 118,089,000 | 126,237,000 |
| Allowance for loan losses | 1,006,000 | 1,056,000 | 1,267,000 | 1,333,000 |
| Securities available for sale | 9,386,000 | 8,922,000 | 8,879,000 | 8,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,173,000 | 124,480,000 | 134,189,000 | 132,486,000 |
| Interest-bearing deposits | 76,773,000 | 99,895,000 | 107,443,000 | 103,283,000 |
| Noninterest-bearing deposits | 22,400,000 | 24,585,000 | 26,746,000 | 29,203,000 |
| Equity capital | 9,322,000 | 9,917,000 | 10,352,000 | 10,962,000 |
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 | 1,870,000 | 3,984,000 | 6,402,000 | 9,054,000 |
| Interest expense | 411,000 | 966,000 | 1,651,000 | 2,408,000 |
| Net interest income | 1,459,000 | 3,018,000 | 4,751,000 | 6,646,000 |
| Noninterest income | 355,000 | 746,000 | 1,160,000 | 1,581,000 |
| Noninterest expense | 960,000 | 2,007,000 | 3,226,000 | 4,540,000 |
| Provision for loan losses | 42,000 | 90,000 | 357,000 | 445,000 |
| Pretax income | 812,000 | 1,672,000 | 2,332,000 | 3,246,000 |
| Income tax | 277,000 | 572,000 | 798,000 | 1,110,000 |
| Net income | 535,000 | 1,100,000 | 1,534,000 | 2,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,432,000 | 9,996,000 | 10,431,000 | 10,893,000 |
| Total capital | 10,438,000 | 11,052,000 | 11,698,000 | 12,226,000 |
| Risk-weighted assets | 99,257,000 | 107,346,000 | 116,841,000 | 122,937,000 |