Call reports 2009
FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS — 2009
What FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 196,915,000 | 197,358,000 | 199,018,000 | 203,759,000 |
| Total loans | 164,310,000 | 171,390,000 | 168,663,000 | 168,853,000 |
| Allowance for loan losses | 2,481,000 | 2,388,000 | 2,356,000 | 2,043,000 |
| Securities available for sale | 4,045,000 | 4,017,000 | 5,028,000 | 5,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,226,000 | 177,092,000 | 177,863,000 | 182,894,000 |
| Interest-bearing deposits | 136,793,000 | 138,069,000 | 136,483,000 | 131,397,000 |
| Noninterest-bearing deposits | 40,433,000 | 39,023,000 | 41,380,000 | 51,497,000 |
| Equity capital | 18,210,000 | 18,720,000 | 19,507,000 | 19,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,587,000 | 5,212,000 | 8,012,000 | 10,900,000 |
| Interest expense | 733,000 | 1,329,000 | 1,881,000 | 2,403,000 |
| Net interest income | 1,854,000 | 3,883,000 | 6,131,000 | 8,497,000 |
| Noninterest income | 411,000 | 883,000 | 1,383,000 | 1,845,000 |
| Noninterest expense | 1,634,000 | 3,302,000 | 4,872,000 | 6,721,000 |
| Provision for loan losses | 708,000 | 777,000 | 777,000 | 837,000 |
| Pretax income | -77,000 | 719,000 | 1,897,000 | 2,816,000 |
| Income tax | -29,000 | 239,000 | 636,000 | 946,000 |
| Net income | -48,000 | 480,000 | 1,261,000 | 1,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,587,000 | 19,116,000 | 19,895,000 | 19,503,000 |
| Total capital | 20,492,000 | 20,972,000 | 21,725,000 | 21,301,000 |
| Risk-weighted assets | 151,808,000 | 147,921,000 | 145,840,000 | 144,101,000 |