Call reports 2005
BANK OF HOUSTON — 2005
What BANK OF HOUSTON reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 27,489,000 | 29,393,000 | 29,612,000 | 28,296,000 |
| Total loans | 12,336,000 | 11,739,000 | 12,387,000 | 11,631,000 |
| Allowance for loan losses | 269,000 | 271,000 | 277,000 | 278,000 |
| Securities available for sale | 11,833,000 | 12,899,000 | 13,873,000 | 13,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,211,000 | 26,015,000 | 26,205,000 | 24,893,000 |
| Interest-bearing deposits | 19,718,000 | 20,695,000 | 20,238,000 | 20,077,000 |
| Noninterest-bearing deposits | 4,493,000 | 5,320,000 | 5,966,000 | 4,816,000 |
| Equity capital | 3,190,000 | 3,258,000 | 3,288,000 | 3,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 330,000 | 664,000 | 1,021,000 | 1,395,000 |
| Interest expense | 56,000 | 122,000 | 202,000 | 295,000 |
| Net interest income | 274,000 | 542,000 | 819,000 | 1,100,000 |
| Noninterest income | 52,000 | 100,000 | 146,000 | 189,000 |
| Noninterest expense | 258,000 | 533,000 | 803,000 | 1,094,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 109,000 | 162,000 | 195,000 |
| Income tax | 22,000 | 33,000 | 44,000 | 48,000 |
| Net income | 46,000 | 76,000 | 118,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,306,000 | 3,337,000 | 3,380,000 | 3,388,000 |
| Total capital | 3,490,000 | 3,512,000 | 3,561,000 | 3,558,000 |
| Risk-weighted assets | 14,009,000 | 13,955,000 | 14,456,000 | 13,511,000 |
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