Call reports 2004
BANK OF HOUSTON, THE — 2004
What BANK OF HOUSTON, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,919,000 | 52,713,000 | 52,679,000 | 52,845,000 |
| Total loans | 28,069,000 | 28,268,000 | 28,179,000 | 28,361,000 |
| Allowance for loan losses | 478,000 | 462,000 | 468,000 | 472,000 |
| Securities available for sale | 8,901,000 | 8,762,000 | 11,228,000 | 13,122,000 |
| Securities held to maturity | 505,000 | 505,000 | 505,000 | 505,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,540,000 | 46,385,000 | 46,016,000 | 46,252,000 |
| Interest-bearing deposits | 39,605,000 | 40,652,000 | 40,522,000 | 40,390,000 |
| Noninterest-bearing deposits | 4,935,000 | 5,733,000 | 5,494,000 | 5,862,000 |
| Equity capital | 7,299,000 | 6,254,000 | 6,588,000 | 6,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 555,000 | 1,099,000 | 1,799,000 | 2,407,000 |
| Interest expense | 160,000 | 321,000 | 489,000 | 657,000 |
| Net interest income | 395,000 | 778,000 | 1,310,000 | 1,750,000 |
| Noninterest income | 18,000 | 51,000 | 146,000 | 102,000 |
| Noninterest expense | 300,000 | 623,000 | 953,000 | 1,365,000 |
| Provision for loan losses | 0 | 0 | 0 | 465,000 |
| Pretax income | 113,000 | 206,000 | 503,000 | 22,000 |
| Income tax | 0 | 5,000 | 5,000 | — |
| Net income | 113,000 | 201,000 | 498,000 | 17,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,183,000 | 6,271,000 | 6,568,000 | 6,087,000 |
| Total capital | 7,583,000 | 6,673,000 | 6,969,000 | 6,489,000 |
| Risk-weighted assets | 31,900,000 | 32,077,000 | 31,980,000 | 32,075,000 |
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