Call reports 2005
NORTH HOUSTON BANK — 2005
What NORTH HOUSTON BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 409,373,000 | 396,941,000 | 383,572,000 | 382,688,000 |
| Total loans | 347,157,000 | 328,831,000 | 308,620,000 | 317,592,000 |
| Allowance for loan losses | 4,136,000 | 4,136,000 | 4,171,000 | 4,173,000 |
| Securities available for sale | 44,723,000 | 45,331,000 | 44,809,000 | 44,353,000 |
| Securities held to maturity | 1,832,000 | 1,842,000 | 1,852,000 | 1,861,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,453,000 | 260,754,000 | 252,762,000 | 226,510,000 |
| Interest-bearing deposits | 237,615,000 | 229,591,000 | 220,647,000 | 193,914,000 |
| Noninterest-bearing deposits | 31,838,000 | 31,163,000 | 32,115,000 | 32,596,000 |
| Equity capital | 40,629,000 | 42,953,000 | 44,432,000 | 45,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,817,000 | 14,008,000 | 21,336,000 | 28,472,000 |
| Interest expense | 2,074,000 | 4,393,000 | 6,835,000 | 9,567,000 |
| Net interest income | 4,743,000 | 9,615,000 | 14,501,000 | 18,905,000 |
| Noninterest income | 276,000 | 536,000 | 817,000 | 1,119,000 |
| Noninterest expense | 2,132,000 | 4,130,000 | 6,394,000 | 8,698,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,887,000 | 6,021,000 | 8,924,000 | 11,326,000 |
| Income tax | 1,097,000 | 2,288,000 | 3,391,000 | 4,304,000 |
| Net income | 1,790,000 | 3,733,000 | 5,533,000 | 7,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,005,000 | 42,949,000 | 44,748,000 | 46,237,000 |
| Total capital | 45,141,000 | 47,085,000 | 48,919,000 | 50,410,000 |
| Risk-weighted assets | 389,656,000 | 371,975,000 | 350,290,000 | 356,819,000 |