Call reports 2003
HOUSTON COMMUNITY BANK, NATIONAL ASSOCIATION — 2003
What HOUSTON COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 126,003,000 | 128,805,000 | 129,893,000 | 132,807,000 |
| Total loans | 97,168,000 | 96,203,000 | 104,126,000 | 105,956,000 |
| Allowance for loan losses | 806,000 | 839,000 | 863,000 | 758,000 |
| Securities available for sale | 3,714,000 | 4,175,000 | 4,863,000 | 4,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,505,000 | 117,781,000 | 118,714,000 | 121,216,000 |
| Interest-bearing deposits | 86,298,000 | 89,409,000 | 89,530,000 | 87,689,000 |
| Noninterest-bearing deposits | 29,207,000 | 28,372,000 | 29,184,000 | 33,527,000 |
| Equity capital | 10,175,000 | 10,336,000 | 10,569,000 | 10,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,015,000 | 4,034,000 | 6,068,000 | 8,159,000 |
| Interest expense | 486,000 | 952,000 | 1,371,000 | 1,746,000 |
| Net interest income | 1,529,000 | 3,082,000 | 4,697,000 | 6,413,000 |
| Noninterest income | 279,000 | 550,000 | 857,000 | 1,137,000 |
| Noninterest expense | 1,144,000 | 2,407,000 | 3,626,000 | 4,873,000 |
| Provision for loan losses | 150,000 | 250,000 | 300,000 | 380,000 |
| Pretax income | 514,000 | 975,000 | 1,628,000 | 2,297,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 514,000 | 975,000 | 1,628,000 | 2,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,068,000 | 10,220,000 | 10,564,000 | 10,907,000 |
| Total capital | 10,874,000 | 11,059,000 | 11,427,000 | 11,665,000 |
| Risk-weighted assets | 96,494,000 | 96,979,000 | 105,443,000 | 106,625,000 |