Call reports 2008
BANK OF HOUSTON — 2008
What BANK OF HOUSTON reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 289,688,000 | 321,612,000 | 374,822,000 | 382,030,000 |
| Total loans | 239,286,000 | 284,380,000 | 304,089,000 | 334,160,000 |
| Allowance for loan losses | 2,433,000 | 2,831,000 | 3,138,000 | 3,030,000 |
| Securities available for sale | 22,838,000 | 21,546,000 | 21,679,000 | 29,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,240,000 | 228,856,000 | 298,537,000 | 281,216,000 |
| Interest-bearing deposits | 188,400,000 | 224,802,000 | 244,617,000 | 193,248,000 |
| Noninterest-bearing deposits | 49,840,000 | 4,055,000 | 53,920,000 | 87,967,000 |
| Equity capital | 29,654,000 | 29,724,000 | 31,462,000 | 35,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,953,000 | 9,728,000 | 15,110,000 | 20,612,000 |
| Interest expense | 1,851,000 | 3,229,000 | 4,743,000 | 6,109,000 |
| Net interest income | 3,102,000 | 6,499,000 | 10,367,000 | 14,503,000 |
| Noninterest income | 63,000 | 162,000 | 408,000 | 328,000 |
| Noninterest expense | 2,340,000 | 4,952,000 | 7,937,000 | 11,074,000 |
| Provision for loan losses | 150,000 | 547,000 | 852,000 | 1,297,000 |
| Pretax income | 834,000 | 1,321,000 | 2,145,000 | 3,118,000 |
| Income tax | 285,000 | 455,000 | 755,000 | 1,110,000 |
| Net income | 549,000 | 866,000 | 1,390,000 | 2,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,437,000 | 30,060,000 | 31,390,000 | 34,855,000 |
| Total capital | 31,870,000 | 32,891,000 | 34,528,000 | 37,885,000 |
| Risk-weighted assets | 272,935,000 | 307,322,000 | 334,226,000 | 343,647,000 |