Call reports 2015
FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS — 2015
What FIRST NATIONAL BANK BAIRD DBA FIRST BANK TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 409,910,000 | 427,077,000 | 425,075,000 | 431,827,000 |
| Total loans | 352,653,000 | 369,034,000 | 366,591,000 | 368,362,000 |
| Allowance for loan losses | 3,201,000 | 3,322,000 | 2,509,000 | 3,570,000 |
| Securities available for sale | 20,939,000 | 17,882,000 | 14,913,000 | 8,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,839,000 | 360,920,000 | 378,355,000 | 379,804,000 |
| Interest-bearing deposits | 217,941,000 | 217,270,000 | 240,059,000 | 239,560,000 |
| Noninterest-bearing deposits | 140,898,000 | 143,650,000 | 138,296,000 | 140,244,000 |
| Equity capital | 37,751,000 | 37,371,000 | 38,481,000 | 33,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,003,000 | 10,002,000 | 15,233,000 | 20,454,000 |
| Interest expense | 221,000 | 456,000 | 748,000 | 1,084,000 |
| Net interest income | 4,782,000 | 9,546,000 | 14,485,000 | 19,370,000 |
| Noninterest income | 693,000 | 3,615,000 | 4,454,000 | 4,985,000 |
| Noninterest expense | 3,800,000 | 8,354,000 | 12,373,000 | 16,637,000 |
| Provision for loan losses | 255,000 | 355,000 | 480,000 | 3,945,000 |
| Pretax income | 1,420,000 | 4,452,000 | 6,086,000 | 3,773,000 |
| Income tax | 496,000 | 787,000 | 1,331,000 | 615,000 |
| Net income | 924,000 | 3,665,000 | 4,755,000 | 3,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,671,000 | 41,313,000 | 42,402,000 | 37,805,000 |
| Total capital | 44,872,000 | 44,635,000 | 44,911,000 | 41,375,000 |
| Risk-weighted assets | 346,899,000 | 369,962,000 | 363,314,000 | 366,915,000 |