Call reports 2014
BANK OF HOUSTON — 2014
What BANK OF HOUSTON reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 27,690,000 | 27,967,000 | 27,842,000 | 32,633,000 |
| Total loans | 6,296,000 | 6,391,000 | 6,650,000 | 6,875,000 |
| Allowance for loan losses | 208,000 | 174,000 | 175,000 | 190,000 |
| Securities available for sale | 14,616,000 | 14,752,000 | 16,655,000 | 19,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,168,000 | 24,300,000 | 24,398,000 | 29,173,000 |
| Interest-bearing deposits | 16,629,000 | 17,378,000 | 17,549,000 | 21,068,000 |
| Noninterest-bearing deposits | 7,539,000 | 6,922,000 | 6,849,000 | 8,105,000 |
| Equity capital | 3,470,000 | 3,620,000 | 3,385,000 | 3,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 175,000 | 343,000 | 511,000 | 701,000 |
| Interest expense | 8,000 | 17,000 | 26,000 | 36,000 |
| Net interest income | 167,000 | 326,000 | 485,000 | 665,000 |
| Noninterest income | 55,000 | 143,000 | 87,000 | 134,000 |
| Noninterest expense | 252,000 | 535,000 | 784,000 | 1,032,000 |
| Provision for loan losses | 0 | -90,000 | -90,000 | -90,000 |
| Pretax income | -30,000 | 24,000 | -122,000 | -143,000 |
| Income tax | -7,000 | -5,000 | 14,000 | 17,000 |
| Net income | -23,000 | 29,000 | -136,000 | -160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,746,000 | 3,713,000 | 3,566,000 | 3,555,000 |
| Total capital | 3,878,000 | 3,845,000 | 3,693,000 | 3,677,000 |
| Risk-weighted assets | 10,456,000 | 10,531,000 | 10,143,000 | 9,638,000 |