Call reports 2004
BANK OF HOUSTON — 2004
What BANK OF HOUSTON 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 | 27,531,000 | 27,923,000 | 27,873,000 | 28,328,000 |
| Total loans | 12,718,000 | 12,521,000 | 12,483,000 | 12,647,000 |
| Allowance for loan losses | 247,000 | 262,000 | 265,000 | 267,000 |
| Securities available for sale | 10,118,000 | 10,904,000 | 11,984,000 | 11,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,251,000 | 24,733,000 | 24,595,000 | 25,081,000 |
| Interest-bearing deposits | 19,980,000 | 19,733,000 | 19,873,000 | 20,113,000 |
| Noninterest-bearing deposits | 4,271,000 | 5,000,000 | 4,723,000 | 4,968,000 |
| Equity capital | 3,192,000 | 3,104,000 | 3,199,000 | 3,200,000 |
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 | 301,000 | 596,000 | 905,000 | 1,229,000 |
| Interest expense | 56,000 | 107,000 | 158,000 | 210,000 |
| Net interest income | 245,000 | 489,000 | 747,000 | 1,019,000 |
| Noninterest income | 46,000 | 93,000 | 148,000 | 204,000 |
| Noninterest expense | 242,000 | 495,000 | 763,000 | 1,030,000 |
| Provision for loan losses | 17,000 | 22,000 | 22,000 | 22,000 |
| Pretax income | 68,000 | 128,000 | 173,000 | 234,000 |
| Income tax | 18,000 | 36,000 | 40,000 | 58,000 |
| Net income | 50,000 | 92,000 | 133,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,118,000 | 3,160,000 | 3,201,000 | 3,262,000 |
| Total capital | 3,296,000 | 3,335,000 | 3,376,000 | 3,437,000 |
| Risk-weighted assets | 14,232,000 | 14,019,000 | 13,966,000 | 14,478,000 |
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