Call reports 2006
FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS — 2006
What FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 153,920,000 | 156,869,000 | 168,290,000 | 171,056,000 |
| Total loans | 125,822,000 | 133,973,000 | 134,050,000 | 144,001,000 |
| Allowance for loan losses | 1,324,000 | 1,494,000 | 1,723,000 | 1,712,000 |
| Securities available for sale | 6,421,000 | 3,951,000 | 2,475,000 | 1,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,797,000 | 143,469,000 | 153,907,000 | 156,623,000 |
| Interest-bearing deposits | 109,404,000 | 110,656,000 | 119,701,000 | 122,076,000 |
| Noninterest-bearing deposits | 30,393,000 | 32,813,000 | 34,206,000 | 34,547,000 |
| Equity capital | 11,688,000 | 12,446,000 | 13,319,000 | 13,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,789,000 | 5,854,000 | 9,209,000 | 12,804,000 |
| Interest expense | 854,000 | 1,763,000 | 2,826,000 | 3,970,000 |
| Net interest income | 1,935,000 | 4,091,000 | 6,383,000 | 8,834,000 |
| Noninterest income | 394,000 | 853,000 | 1,398,000 | 1,882,000 |
| Noninterest expense | 1,199,000 | 2,477,000 | 3,790,000 | 5,281,000 |
| Provision for loan losses | 52,000 | 268,000 | 489,000 | 656,000 |
| Pretax income | 1,078,000 | 2,199,000 | 3,502,000 | 4,779,000 |
| Income tax | 369,000 | 752,000 | 1,198,000 | 1,634,000 |
| Net income | 709,000 | 1,447,000 | 2,304,000 | 3,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,636,000 | 12,414,000 | 13,335,000 | 13,677,000 |
| Total capital | 12,960,000 | 13,908,000 | 14,948,000 | 15,372,000 |
| Risk-weighted assets | 121,456,000 | 125,667,000 | 128,911,000 | 135,570,000 |