Call reports 2007
FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS — 2007
What FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 177,865,000 | 180,373,000 | 184,340,000 | 183,680,000 |
| Total loans | 147,012,000 | 143,164,000 | 140,250,000 | 147,155,000 |
| Allowance for loan losses | 1,850,000 | 1,808,000 | 1,635,000 | 1,392,000 |
| Securities available for sale | 493,000 | 493,000 | 5,495,000 | 15,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,239,000 | 163,983,000 | 166,745,000 | 165,799,000 |
| Interest-bearing deposits | 128,988,000 | 127,905,000 | 132,587,000 | 129,229,000 |
| Noninterest-bearing deposits | 33,251,000 | 36,078,000 | 34,158,000 | 36,570,000 |
| Equity capital | 14,398,000 | 15,391,000 | 16,446,000 | 16,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,478,000 | 7,287,000 | 11,081,000 | 14,766,000 |
| Interest expense | 1,240,000 | 2,561,000 | 3,905,000 | 5,210,000 |
| Net interest income | 2,238,000 | 4,726,000 | 7,176,000 | 9,556,000 |
| Noninterest income | 447,000 | 905,000 | 1,400,000 | 1,907,000 |
| Noninterest expense | 1,340,000 | 2,775,000 | 4,129,000 | 5,801,000 |
| Provision for loan losses | 244,000 | 246,000 | 246,000 | 246,000 |
| Pretax income | 1,101,000 | 2,610,000 | 4,201,000 | 5,416,000 |
| Income tax | 376,000 | 891,000 | 1,433,000 | 1,848,000 |
| Net income | 725,000 | 1,719,000 | 2,768,000 | 3,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,402,000 | 15,386,000 | 16,445,000 | 16,745,000 |
| Total capital | 16,154,000 | 17,073,000 | 18,080,000 | 18,137,000 |
| Risk-weighted assets | 140,033,000 | 134,856,000 | 132,423,000 | 135,885,000 |