Call reports 2006
HOUSTON COMMUNITY BANK, NATIONAL ASSOCIATION — 2006
What HOUSTON COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 174,557,000 | 179,476,000 | 182,579,000 | 184,666,000 |
| Total loans | 145,121,000 | 149,887,000 | 151,115,000 | 148,419,000 |
| Allowance for loan losses | 1,346,000 | 1,394,000 | 1,414,000 | 1,359,000 |
| Securities available for sale | 4,375,000 | 3,770,000 | 3,744,000 | 3,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,255,000 | 164,695,000 | 167,160,000 | 168,825,000 |
| Interest-bearing deposits | 122,460,000 | 124,458,000 | 129,039,000 | 125,107,000 |
| Noninterest-bearing deposits | 37,795,000 | 40,237,000 | 38,121,000 | 43,718,000 |
| Equity capital | 13,765,000 | 14,053,000 | 14,408,000 | 14,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,986,000 | 6,114,000 | 9,522,000 | 13,000,000 |
| Interest expense | 1,033,000 | 2,138,000 | 3,491,000 | 4,924,000 |
| Net interest income | 1,953,000 | 3,976,000 | 6,031,000 | 8,076,000 |
| Noninterest income | 260,000 | 543,000 | 815,000 | 1,091,000 |
| Noninterest expense | 1,459,000 | 2,945,000 | 4,428,000 | 5,896,000 |
| Provision for loan losses | 54,000 | 108,000 | 162,000 | 198,000 |
| Pretax income | 700,000 | 1,466,000 | 2,256,000 | 3,073,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 700,000 | 1,466,000 | 2,256,000 | 3,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,874,000 | 14,260,000 | 14,554,000 | 14,873,000 |
| Total capital | 15,220,000 | 15,654,000 | 15,968,000 | 16,232,000 |
| Risk-weighted assets | 146,325,000 | 151,488,000 | 153,646,000 | 152,266,000 |