Call reports 2007
NORTH HOUSTON BANK — 2007
What NORTH HOUSTON BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 341,522,000 | 330,238,000 | 326,975,000 | 382,814,000 |
| Total loans | 271,816,000 | 265,404,000 | 264,318,000 | 292,143,000 |
| Allowance for loan losses | 4,161,000 | 4,124,000 | 4,144,000 | 4,150,000 |
| Securities available for sale | 18,415,000 | 15,875,000 | 25,585,000 | 67,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 6,689,000 | 5,731,000 |
| Total deposits | 291,452,000 | 279,384,000 | 274,251,000 | 275,228,000 |
| Interest-bearing deposits | 256,517,000 | 243,408,000 | 238,850,000 | 240,577,000 |
| Noninterest-bearing deposits | 34,935,000 | 35,976,000 | 35,401,000 | 34,651,000 |
| Equity capital | 47,347,000 | 48,777,000 | 50,441,000 | 42,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,649,000 | 13,807,000 | 20,936,000 | 27,951,000 |
| Interest expense | 2,919,000 | 5,932,000 | 8,794,000 | 11,772,000 |
| Net interest income | 3,730,000 | 7,875,000 | 12,142,000 | 16,179,000 |
| Noninterest income | 224,000 | 1,201,000 | 1,728,000 | 1,073,000 |
| Noninterest expense | 2,283,000 | 5,047,000 | 7,592,000 | 10,266,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,671,000 | 4,029,000 | 6,278,000 | 6,971,000 |
| Income tax | 635,000 | 1,531,000 | 2,386,000 | 2,649,000 |
| Net income | 1,036,000 | 2,498,000 | 3,892,000 | 4,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,495,000 | 48,957,000 | 50,350,000 | 40,781,000 |
| Total capital | 51,656,000 | 53,081,000 | 54,494,000 | 46,277,000 |
| Risk-weighted assets | 358,485,000 | 354,305,000 | 347,725,000 | 369,497,000 |