Call reports 2015
BANK OF HOUSTON — 2015
What BANK OF HOUSTON reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 32,451,000 | 35,476,000 | 34,523,000 | 35,399,000 |
| Total loans | 7,256,000 | 7,033,000 | 6,656,000 | 6,544,000 |
| Allowance for loan losses | 187,000 | 187,000 | 188,000 | 169,000 |
| Securities available for sale | 19,939,000 | 19,968,000 | 19,998,000 | 20,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,669,000 | 31,664,000 | 30,605,000 | 31,666,000 |
| Interest-bearing deposits | 20,936,000 | 22,233,000 | 21,523,000 | 20,670,000 |
| Noninterest-bearing deposits | 7,733,000 | 9,431,000 | 9,082,000 | 10,996,000 |
| Equity capital | 3,742,000 | 3,761,000 | 3,786,000 | 3,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 238,000 | 432,000 | 623,000 | 804,000 |
| Interest expense | 9,000 | 18,000 | 27,000 | 36,000 |
| Net interest income | 229,000 | 414,000 | 596,000 | 768,000 |
| Noninterest income | 47,000 | 103,000 | 165,000 | 225,000 |
| Noninterest expense | 161,000 | 389,000 | 623,000 | 874,000 |
| Provision for loan losses | -60,000 | -60,000 | -60,000 | -60,000 |
| Pretax income | 175,000 | 207,000 | 217,000 | 198,000 |
| Income tax | 37,000 | 45,000 | 51,000 | 51,000 |
| Net income | 138,000 | 162,000 | 166,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,731,000 | 3,759,000 | 3,772,000 | 3,756,000 |
| Total capital | 3,854,000 | 3,892,000 | 3,903,000 | 3,881,000 |
| Risk-weighted assets | 9,852,000 | 10,610,000 | 10,458,000 | 9,999,000 |