Call reports 2007
BANK OF HOUSTON — 2007
What BANK OF HOUSTON reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 249,103,000 | 314,071,000 | 303,066,000 | 297,670,000 |
| Total loans | 170,504,000 | 194,642,000 | 203,816,000 | 220,430,000 |
| Allowance for loan losses | 1,827,000 | 2,170,000 | 2,150,000 | 2,281,000 |
| Securities available for sale | 18,310,000 | 26,679,000 | 26,556,000 | 20,968,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,089,000 | 282,384,000 | 258,608,000 | 263,897,000 |
| Interest-bearing deposits | 130,413,000 | 172,549,000 | 159,866,000 | 217,488,000 |
| Noninterest-bearing deposits | 87,676,000 | 109,835,000 | 98,742,000 | 46,409,000 |
| Equity capital | 25,223,000 | 26,503,000 | 27,846,000 | 28,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,984,000 | 8,960,000 | 14,162,000 | 19,376,000 |
| Interest expense | 1,497,000 | 3,371,000 | 5,366,000 | 7,462,000 |
| Net interest income | 2,487,000 | 5,589,000 | 8,796,000 | 11,914,000 |
| Noninterest income | 34,000 | 66,000 | 103,000 | 106,000 |
| Noninterest expense | 1,722,000 | 3,371,000 | 5,231,000 | 7,197,000 |
| Provision for loan losses | 429,000 | 772,000 | 772,000 | 900,000 |
| Pretax income | 370,000 | 1,512,000 | 2,977,000 | 4,121,000 |
| Income tax | 134,000 | 521,000 | 1,022,000 | 1,405,000 |
| Net income | 236,000 | 991,000 | 1,955,000 | 2,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,234,000 | 26,894,000 | 27,858,000 | 28,810,000 |
| Total capital | 27,061,000 | 29,064,000 | 30,008,000 | 31,091,000 |
| Risk-weighted assets | 193,045,000 | 231,207,000 | 232,757,000 | 245,303,000 |