Call reports 2003
BANK OF HOUSTON — 2003
What BANK OF HOUSTON reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 29,068,000 | 28,465,000 | 28,390,000 | 28,246,000 |
| Total loans | 13,272,000 | 13,231,000 | 13,592,000 | 13,153,000 |
| Allowance for loan losses | 256,000 | 252,000 | 270,000 | 223,000 |
| Securities available for sale | 10,910,000 | 10,764,000 | 10,219,000 | 10,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,924,000 | 25,234,000 | 25,093,000 | 24,990,000 |
| Interest-bearing deposits | 22,043,000 | 21,049,000 | 20,809,000 | 20,352,000 |
| Noninterest-bearing deposits | 3,881,000 | 4,185,000 | 4,284,000 | 4,638,000 |
| Equity capital | 3,071,000 | 3,135,000 | 3,147,000 | 3,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 354,000 | 693,000 | 1,009,000 | 1,327,000 |
| Interest expense | 77,000 | 146,000 | 211,000 | 270,000 |
| Net interest income | 277,000 | 547,000 | 798,000 | 1,057,000 |
| Noninterest income | 40,000 | 88,000 | 144,000 | 196,000 |
| Noninterest expense | 254,000 | 492,000 | 720,000 | 974,000 |
| Provision for loan losses | 17,000 | 33,000 | 50,000 | 66,000 |
| Pretax income | 46,000 | 110,000 | 215,000 | 274,000 |
| Income tax | 5,000 | 25,000 | 59,000 | 70,000 |
| Net income | 41,000 | 85,000 | 156,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,923,000 | 2,944,000 | 3,038,000 | 3,078,000 |
| Total capital | 3,111,000 | 3,128,000 | 3,225,000 | 3,260,000 |
| Risk-weighted assets | 14,985,000 | 14,718,000 | 14,888,000 | 14,541,000 |
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