Call reports 2004
HOUSTON COMMUNITY BANK, NATIONAL ASSOCIATION — 2004
What HOUSTON COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 132,010,000 | 138,966,000 | 143,427,000 | 154,416,000 |
| Total loans | 112,061,000 | 116,908,000 | 119,946,000 | 122,241,000 |
| Allowance for loan losses | 852,000 | 944,000 | 931,000 | 1,046,000 |
| Securities available for sale | 4,776,000 | 4,345,000 | 4,304,000 | 4,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,212,000 | 126,998,000 | 131,034,000 | 141,470,000 |
| Interest-bearing deposits | 87,800,000 | 94,207,000 | 96,084,000 | 106,506,000 |
| Noninterest-bearing deposits | 32,412,000 | 32,791,000 | 34,950,000 | 34,964,000 |
| Equity capital | 11,233,000 | 11,296,000 | 11,735,000 | 12,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,081,000 | 4,228,000 | 6,447,000 | 8,756,000 |
| Interest expense | 356,000 | 716,000 | 1,120,000 | 1,612,000 |
| Net interest income | 1,725,000 | 3,512,000 | 5,327,000 | 7,144,000 |
| Noninterest income | 288,000 | 609,000 | 921,000 | 1,240,000 |
| Noninterest expense | 1,283,000 | 2,645,000 | 3,995,000 | 5,327,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 610,000 | 1,236,000 | 1,893,000 | 2,577,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 610,000 | 1,236,000 | 1,893,000 | 2,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,180,000 | 11,468,000 | 11,788,000 | 12,110,000 |
| Total capital | 12,032,000 | 12,412,000 | 12,719,000 | 13,156,000 |
| Risk-weighted assets | 110,690,000 | 115,858,000 | 118,810,000 | 126,488,000 |