Call reports 2002
NORTH HOUSTON BANK — 2002
What NORTH HOUSTON BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 223,752,000 | 255,873,000 | 252,576,000 | 266,710,000 |
| Total loans | 203,598,000 | 224,910,000 | 225,147,000 | 235,094,000 |
| Allowance for loan losses | 2,291,000 | 2,296,000 | 2,002,000 | 2,236,000 |
| Securities available for sale | 0 | 0 | 4,526,000 | 7,519,000 |
| Securities held to maturity | 1,766,000 | 1,771,000 | 1,776,000 | 1,781,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,456,000 | 207,114,000 | 202,945,000 | 205,032,000 |
| Interest-bearing deposits | 149,630,000 | 175,590,000 | 173,781,000 | 173,567,000 |
| Noninterest-bearing deposits | 30,826,000 | 31,524,000 | 29,164,000 | 31,465,000 |
| Equity capital | 21,117,000 | 22,511,000 | 23,601,000 | 25,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,553,000 | 9,462,000 | 14,398,000 | 19,245,000 |
| Interest expense | 1,258,000 | 2,534,000 | 3,857,000 | 5,089,000 |
| Net interest income | 3,295,000 | 6,928,000 | 10,541,000 | 14,156,000 |
| Noninterest income | 287,000 | 556,000 | 800,000 | 1,347,000 |
| Noninterest expense | 1,413,000 | 2,992,000 | 4,518,000 | 6,012,000 |
| Provision for loan losses | 354,000 | 354,000 | 873,000 | 1,108,000 |
| Pretax income | 1,815,000 | 4,138,000 | 5,950,000 | 8,383,000 |
| Income tax | 726,000 | 1,655,000 | 2,380,000 | 3,353,000 |
| Net income | 1,089,000 | 2,483,000 | 3,570,000 | 5,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,117,000 | 22,511,000 | 23,598,000 | 25,058,000 |
| Total capital | 23,408,000 | 24,807,000 | 25,600,000 | 27,294,000 |
| Risk-weighted assets | 219,218,000 | 240,255,000 | 241,091,000 | 255,136,000 |