Call reports 2003
NORTH HOUSTON BANK — 2003
What NORTH HOUSTON BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 287,583,000 | 305,983,000 | 312,806,000 | 344,675,000 |
| Total loans | 258,399,000 | 280,055,000 | 285,697,000 | 302,012,000 |
| Allowance for loan losses | 2,237,000 | 2,237,000 | 3,236,000 | 2,933,000 |
| Securities available for sale | 7,485,000 | 7,679,000 | 12,541,000 | 24,333,000 |
| Securities held to maturity | 1,786,000 | 1,792,000 | 1,797,000 | 1,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,763,000 | 219,122,000 | 238,329,000 | 276,991,000 |
| Interest-bearing deposits | 178,283,000 | 182,582,000 | 204,758,000 | 243,603,000 |
| Noninterest-bearing deposits | 32,480,000 | 36,540,000 | 33,571,000 | 33,388,000 |
| Equity capital | 26,753,000 | 28,666,000 | 30,051,000 | 32,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,031,000 | 10,592,000 | 16,424,000 | 22,369,000 |
| Interest expense | 1,135,000 | 2,217,000 | 3,243,000 | 4,311,000 |
| Net interest income | 3,896,000 | 8,375,000 | 13,181,000 | 18,058,000 |
| Noninterest income | 306,000 | 495,000 | 818,000 | 1,121,000 |
| Noninterest expense | 1,600,000 | 3,293,000 | 5,166,000 | 7,115,000 |
| Provision for loan losses | 0 | 0 | 1,000,000 | 1,157,000 |
| Pretax income | 2,602,000 | 5,577,000 | 7,833,000 | 10,907,000 |
| Income tax | 1,041,000 | 2,231,000 | 3,133,000 | 4,063,000 |
| Net income | 1,561,000 | 3,346,000 | 4,700,000 | 6,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,620,000 | 28,405,000 | 29,758,000 | 31,903,000 |
| Total capital | 28,857,000 | 30,642,000 | 32,994,000 | 34,836,000 |
| Risk-weighted assets | 273,955,000 | 294,088,000 | 292,052,000 | 319,731,000 |