Call reports 2004
NORTH HOUSTON BANK — 2004
What NORTH HOUSTON BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 383,980,000 | 380,252,000 | 409,019,000 | 397,202,000 |
| Total loans | 323,618,000 | 330,168,000 | 355,870,000 | 344,420,000 |
| Allowance for loan losses | 2,933,000 | 3,037,000 | 3,511,000 | 4,145,000 |
| Securities available for sale | 24,826,000 | 27,880,000 | 36,266,000 | 35,857,000 |
| Securities held to maturity | 1,807,000 | 1,813,000 | 1,818,000 | 1,823,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,708,000 | 279,485,000 | 279,576,000 | 280,943,000 |
| Interest-bearing deposits | 232,010,000 | 247,007,000 | 246,457,000 | 252,133,000 |
| Noninterest-bearing deposits | 47,698,000 | 32,478,000 | 33,119,000 | 28,810,000 |
| Equity capital | 34,126,000 | 35,308,000 | 37,588,000 | 39,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,835,000 | 11,933,000 | 18,594,000 | 25,641,000 |
| Interest expense | 1,198,000 | 2,477,000 | 4,028,000 | 5,914,000 |
| Net interest income | 4,637,000 | 9,456,000 | 14,566,000 | 19,727,000 |
| Noninterest income | 294,000 | 432,000 | 722,000 | 1,008,000 |
| Noninterest expense | 2,222,000 | 4,420,000 | 6,622,000 | 8,858,000 |
| Provision for loan losses | 0 | 0 | 400,000 | 950,000 |
| Pretax income | 2,709,000 | 5,468,000 | 8,271,000 | 10,932,000 |
| Income tax | 1,044,000 | 2,093,000 | 3,158,000 | 3,619,000 |
| Net income | 1,665,000 | 3,375,000 | 5,113,000 | 7,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,568,000 | 35,277,000 | 37,016,000 | 39,216,000 |
| Total capital | 36,501,000 | 38,314,000 | 40,527,000 | 43,361,000 |
| Risk-weighted assets | 348,324,000 | 363,816,000 | 395,701,000 | 377,684,000 |