Call reports 2009
NORTH HOUSTON BANK — 2009
What NORTH HOUSTON BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Total assets | 352,031,000 | 315,341,000 | 325,474,000 |
| Total loans | 268,240,000 | 264,207,000 | 265,518,000 |
| Allowance for loan losses | 3,925,000 | 3,926,000 | 6,500,000 |
| Securities available for sale | 14,125,000 | 16,217,000 | 19,457,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 282,197,000 | 271,954,000 | 307,166,000 |
| Interest-bearing deposits | 251,738,000 | 241,259,000 | 253,396,000 |
| Noninterest-bearing deposits | 30,459,000 | 30,695,000 | 53,770,000 |
| Equity capital | 36,415,000 | 37,529,000 | 15,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Interest income | 4,208,000 | 8,155,000 | 11,493,000 |
| Interest expense | 1,810,000 | 3,345,000 | 4,692,000 |
| Net interest income | 2,398,000 | 4,810,000 | 6,801,000 |
| Noninterest income | 184,000 | 370,000 | -291,000 |
| Noninterest expense | 2,428,000 | 5,256,000 | 7,395,000 |
| Provision for loan losses | -400,000 | -400,000 | 2,620,000 |
| Pretax income | 548,000 | 318,000 | -5,210,000 |
| Income tax | 216,000 | 162,000 | 19,567,000 |
| Net income | 332,000 | 156,000 | -24,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Tier 1 capital | 25,314,000 | 25,139,000 | -7,249,000 |
| Total capital | 28,987,000 | 29,182,000 | -7,249,000 |
| Risk-weighted assets | 284,467,000 | 282,545,000 | 269,848,000 |