Call reports 2005
HOUSTON COMMUNITY BANK, NATIONAL ASSOCIATION — 2005
What HOUSTON COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 159,426,000 | 155,034,000 | 156,206,000 | 167,678,000 |
| Total loans | 125,446,000 | 129,098,000 | 129,977,000 | 140,715,000 |
| Allowance for loan losses | 1,157,000 | 1,214,000 | 1,266,000 | 1,291,000 |
| Securities available for sale | 3,963,000 | 3,864,000 | 3,721,000 | 3,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,313,000 | 141,577,000 | 142,189,000 | 152,710,000 |
| Interest-bearing deposits | 108,439,000 | 101,797,000 | 103,537,000 | 116,342,000 |
| Noninterest-bearing deposits | 37,874,000 | 39,780,000 | 38,652,000 | 36,368,000 |
| Equity capital | 12,387,000 | 12,773,000 | 13,152,000 | 13,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,396,000 | 4,893,000 | 7,506,000 | 10,401,000 |
| Interest expense | 583,000 | 1,195,000 | 1,893,000 | 2,765,000 |
| Net interest income | 1,813,000 | 3,698,000 | 5,613,000 | 7,636,000 |
| Noninterest income | 403,000 | 709,000 | 1,008,000 | 1,300,000 |
| Noninterest expense | 1,370,000 | 2,775,000 | 4,149,000 | 5,568,000 |
| Provision for loan losses | 120,000 | 174,000 | 228,000 | 282,000 |
| Pretax income | 726,000 | 1,458,000 | 2,244,000 | 3,086,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 726,000 | 1,458,000 | 2,244,000 | 3,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,472,000 | 12,814,000 | 13,209,000 | 13,634,000 |
| Total capital | 13,629,000 | 14,028,000 | 14,475,000 | 14,925,000 |
| Risk-weighted assets | 130,597,000 | 133,704,000 | 135,091,000 | 143,514,000 |