Call reports 2008
NORTH HOUSTON BANK — 2008
What NORTH HOUSTON BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 443,054,000 | 465,115,000 | 434,848,000 | 351,092,000 |
| Total loans | 346,657,000 | 361,235,000 | 348,856,000 | 290,177,000 |
| Allowance for loan losses | 4,042,000 | 2,855,000 | 5,136,000 | 4,325,000 |
| Securities available for sale | 69,757,000 | 69,621,000 | 21,026,000 | 19,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 6,460,000 | 7,054,000 | 0 | 0 |
| Total deposits | 275,742,000 | 281,724,000 | 276,110,000 | 251,276,000 |
| Interest-bearing deposits | 245,883,000 | 251,554,000 | 235,175,000 | 219,451,000 |
| Noninterest-bearing deposits | 29,859,000 | 30,170,000 | 40,935,000 | 31,825,000 |
| Equity capital | 42,817,000 | 44,000,000 | 32,655,000 | 37,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,966,000 | 14,203,000 | 21,075,000 | 26,944,000 |
| Interest expense | 3,189,000 | 6,309,000 | 9,370,000 | 11,806,000 |
| Net interest income | 3,777,000 | 7,894,000 | 11,705,000 | 15,138,000 |
| Noninterest income | 1,077,000 | 1,474,000 | 1,847,000 | 621,000 |
| Noninterest expense | 2,635,000 | 5,015,000 | 7,467,000 | 10,263,000 |
| Provision for loan losses | 0 | 400,000 | 2,681,000 | 1,882,000 |
| Pretax income | 2,219,000 | 3,953,000 | -44,549,000 | -47,247,000 |
| Income tax | 187,000 | 598,000 | -16,457,000 | -17,394,000 |
| Net income | 2,032,000 | 3,355,000 | -28,092,000 | -29,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,813,000 | 44,135,000 | 25,955,000 | 27,841,000 |
| Total capital | 47,301,000 | 47,368,000 | 30,810,000 | 31,804,000 |
| Risk-weighted assets | 408,675,000 | 417,850,000 | 389,460,000 | 316,708,000 |