Call reports 2008
HOUSTON COMMUNITY BANK, NATIONAL ASSOCIATION — 2008
What HOUSTON COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 206,179,000 | 191,948,000 | 211,639,000 | 216,205,000 |
| Total loans | 164,583,000 | 168,616,000 | 173,038,000 | 181,466,000 |
| Allowance for loan losses | 1,380,000 | 1,399,000 | 1,451,000 | 1,454,000 |
| Securities available for sale | 4,118,000 | 3,848,000 | 3,764,000 | 3,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,567,000 | 169,060,000 | 193,135,000 | 196,926,000 |
| Interest-bearing deposits | 143,668,000 | 125,074,000 | 146,916,000 | 151,595,000 |
| Noninterest-bearing deposits | 44,899,000 | 43,986,000 | 46,219,000 | 45,331,000 |
| Equity capital | 16,828,000 | 17,188,000 | 17,742,000 | 18,320,000 |
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 | 3,524,000 | 6,906,000 | 10,275,000 | 13,701,000 |
| Interest expense | 1,318,000 | 2,367,000 | 3,320,000 | 4,194,000 |
| Net interest income | 2,206,000 | 4,539,000 | 6,955,000 | 9,507,000 |
| Noninterest income | 285,000 | 546,000 | 809,000 | 1,052,000 |
| Noninterest expense | 1,564,000 | 3,183,000 | 4,850,000 | 6,564,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 170,000 |
| Pretax income | 891,000 | 1,830,000 | 2,806,000 | 3,825,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 891,000 | 1,830,000 | 2,806,000 | 3,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,823,000 | 17,331,000 | 17,763,000 | 18,237,000 |
| Total capital | 18,203,000 | 18,730,000 | 19,214,000 | 19,691,000 |
| Risk-weighted assets | 173,040,000 | 174,294,000 | 182,144,000 | 190,285,000 |