Call reports 2006
BANK OF HOUSTON — 2006
What BANK OF HOUSTON reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 88,426,000 | 83,950,000 | 117,364,000 | 169,355,000 |
| Total loans | 54,734,000 | 72,277,000 | 99,129,000 | 142,275,000 |
| Allowance for loan losses | 507,000 | 745,000 | 1,000,000 | 1,423,000 |
| Securities available for sale | 0 | 0 | 8,586,000 | 18,847,000 |
| Securities held to maturity | 9,781,000 | 8,572,000 | 3,999,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,932,000 | 62,922,000 | 92,108,000 | 144,747,000 |
| Interest-bearing deposits | 43,632,000 | 53,688,000 | 70,582,000 | 114,115,000 |
| Noninterest-bearing deposits | 24,300,000 | 9,234,000 | 21,526,000 | 30,632,000 |
| Equity capital | 20,215,000 | 20,432,000 | 20,727,000 | 20,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,194,000 | 2,959,000 | 5,218,000 | 8,540,000 |
| Interest expense | 328,000 | 842,000 | 1,532,000 | 2,730,000 |
| Net interest income | 866,000 | 2,117,000 | 3,686,000 | 5,810,000 |
| Noninterest income | 4,000 | 11,000 | 19,000 | 32,000 |
| Noninterest expense | 562,000 | 1,239,000 | 2,081,000 | 3,462,000 |
| Provision for loan losses | 142,000 | 380,000 | 635,000 | 1,232,000 |
| Pretax income | 166,000 | 509,000 | 989,000 | 1,148,000 |
| Income tax | 58,000 | 184,000 | 347,000 | 401,000 |
| Net income | 108,000 | 325,000 | 642,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,215,000 | 20,432,000 | 20,749,000 | 20,865,000 |
| Total capital | 20,722,000 | 21,177,000 | 21,749,000 | 22,288,000 |
| Risk-weighted assets | 64,010,000 | 77,254,000 | 114,452,000 | 151,253,000 |