Call reports 2008
FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS — 2008
What FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 184,641,000 | 188,416,000 | 186,615,000 | 192,068,000 |
| Total loans | 147,895,000 | 159,203,000 | 158,588,000 | 162,515,000 |
| Allowance for loan losses | 1,411,000 | 1,471,000 | 1,542,000 | 1,821,000 |
| Securities available for sale | 9,078,000 | 11,439,000 | 9,451,000 | 9,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,711,000 | 169,023,000 | 167,358,000 | 172,209,000 |
| Interest-bearing deposits | 127,050,000 | 128,159,000 | 127,114,000 | 133,429,000 |
| Noninterest-bearing deposits | 38,661,000 | 40,864,000 | 40,244,000 | 38,780,000 |
| Equity capital | 17,474,000 | 17,911,000 | 18,388,000 | 18,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,277,000 | 6,372,000 | 9,371,000 | 12,207,000 |
| Interest expense | 1,086,000 | 2,030,000 | 2,879,000 | 3,717,000 |
| Net interest income | 2,191,000 | 4,342,000 | 6,492,000 | 8,490,000 |
| Noninterest income | 726,000 | 1,206,000 | 1,508,000 | 1,969,000 |
| Noninterest expense | 1,832,000 | 3,543,000 | 4,956,000 | 6,758,000 |
| Provision for loan losses | 169,000 | 289,000 | 617,000 | 948,000 |
| Pretax income | 916,000 | 1,716,000 | 2,427,000 | 2,752,000 |
| Income tax | 239,000 | 512,000 | 754,000 | 862,000 |
| Net income | 677,000 | 1,204,000 | 1,673,000 | 1,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,422,000 | 17,949,000 | 18,418,000 | 18,634,000 |
| Total capital | 18,833,000 | 19,420,000 | 19,960,000 | 20,455,000 |
| Risk-weighted assets | 137,566,000 | 145,921,000 | 146,566,000 | 149,500,000 |