Call reports 2004
NORTHSIDE COMMUNITY BANK — 2004
What NORTHSIDE COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 442,394,000 | 448,792,000 | 462,895,000 | 493,513,000 |
| Total loans | 405,799,000 | 407,825,000 | 417,938,000 | 434,887,000 |
| Allowance for loan losses | 7,546,000 | 7,712,000 | 8,102,000 | 8,683,000 |
| Securities available for sale | 506,000 | 496,000 | 509,000 | 2,505,000 |
| Securities held to maturity | 8,365,000 | 10,361,000 | 12,219,000 | 18,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,321,000 | 364,792,000 | 377,896,000 | 408,126,000 |
| Interest-bearing deposits | 324,546,000 | 331,491,000 | 342,515,000 | 370,243,000 |
| Noninterest-bearing deposits | 31,775,000 | 33,302,000 | 35,381,000 | 37,883,000 |
| Equity capital | 50,000,000 | 51,037,000 | 51,300,000 | 53,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,326,000 | 12,778,000 | 19,435,000 | 26,695,000 |
| Interest expense | 2,009,000 | 3,906,000 | 6,010,000 | 8,248,000 |
| Net interest income | 4,317,000 | 8,872,000 | 13,425,000 | 18,447,000 |
| Noninterest income | 178,000 | 398,000 | 582,000 | 752,000 |
| Noninterest expense | 1,663,000 | 3,358,000 | 5,016,000 | 5,961,000 |
| Provision for loan losses | 250,000 | 1,165,000 | 1,865,000 | 2,765,000 |
| Pretax income | 2,582,000 | 4,747,000 | 7,126,000 | 10,473,000 |
| Income tax | 1,007,000 | 1,750,000 | 2,625,000 | 3,709,000 |
| Net income | 1,575,000 | 2,997,000 | 4,501,000 | 6,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,000,000 | 51,037,000 | 51,300,000 | 53,327,000 |
| Total capital | 55,054,000 | 56,398,000 | 56,786,000 | 59,100,000 |
| Risk-weighted assets | 401,795,000 | 426,545,000 | 436,300,000 | 458,935,000 |