Call reports 2006
NORTH HOUSTON BANK — 2006
What NORTH HOUSTON BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 371,600,000 | 343,948,000 | 317,829,000 | 301,025,000 |
| Total loans | 317,588,000 | 290,065,000 | 282,852,000 | 269,058,000 |
| Allowance for loan losses | 4,170,000 | 4,182,000 | 4,164,000 | 4,161,000 |
| Securities available for sale | 29,826,000 | 16,180,000 | 16,466,000 | 18,381,000 |
| Securities held to maturity | 1,870,000 | 1,879,000 | 1,888,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,289,000 | 252,799,000 | 238,059,000 | 238,777,000 |
| Interest-bearing deposits | 209,786,000 | 218,693,000 | 202,209,000 | 208,370,000 |
| Noninterest-bearing deposits | 34,503,000 | 34,106,000 | 35,850,000 | 30,407,000 |
| Equity capital | 46,996,000 | 43,542,000 | 45,070,000 | 46,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,649,000 | 15,132,000 | 22,153,000 | 29,308,000 |
| Interest expense | 3,072,000 | 6,096,000 | 8,907,000 | 11,559,000 |
| Net interest income | 4,577,000 | 9,036,000 | 13,246,000 | 17,749,000 |
| Noninterest income | -46,000 | 195,000 | 446,000 | 705,000 |
| Noninterest expense | 2,283,000 | 4,412,000 | 6,697,000 | 9,541,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,036,000 | 4,288,000 | 6,464,000 | 8,382,000 |
| Income tax | 774,000 | 1,629,000 | 2,456,000 | 3,161,000 |
| Net income | 1,262,000 | 2,659,000 | 4,008,000 | 5,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,499,000 | 43,895,000 | 45,245,000 | 46,458,000 |
| Total capital | 51,669,000 | 47,746,000 | 49,094,000 | 50,188,000 |
| Risk-weighted assets | 347,671,000 | 307,728,000 | 307,639,000 | 298,004,000 |