Call reports 2003
NORTH SIDE BANK AND TRUST COMPANY, THE — 2003
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 401,169,000 | 405,805,000 | 394,378,000 | 390,058,000 |
| Total loans | 297,449,000 | 301,521,000 | 295,881,000 | 290,714,000 |
| Allowance for loan losses | 3,166,000 | 3,551,000 | 3,317,000 | 3,054,000 |
| Securities available for sale | 332,000 | 332,000 | 332,000 | 411,000 |
| Securities held to maturity | 79,648,000 | 79,538,000 | 81,432,000 | 81,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,795,000 | 288,929,000 | 279,727,000 | 281,159,000 |
| Interest-bearing deposits | 235,011,000 | 232,188,000 | 233,586,000 | 232,619,000 |
| Noninterest-bearing deposits | 44,784,000 | 56,741,000 | 46,141,000 | 48,540,000 |
| Equity capital | 49,932,000 | 50,433,000 | 51,186,000 | 51,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,332,000 | 10,627,000 | 15,651,000 | 20,590,000 |
| Interest expense | 1,842,000 | 3,630,000 | 5,244,000 | 6,764,000 |
| Net interest income | 3,490,000 | 6,997,000 | 10,407,000 | 13,826,000 |
| Noninterest income | 426,000 | 850,000 | 1,291,000 | 1,851,000 |
| Noninterest expense | 1,952,000 | 3,960,000 | 5,953,000 | 8,357,000 |
| Provision for loan losses | 150,000 | 600,000 | 600,000 | 600,000 |
| Pretax income | 1,814,000 | 3,287,000 | 5,145,000 | 6,720,000 |
| Income tax | 650,000 | 1,181,000 | 1,845,000 | 2,176,000 |
| Net income | 1,164,000 | 2,106,000 | 3,300,000 | 4,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,851,000 | 50,352,000 | 51,105,000 | 51,719,000 |
| Total capital | 53,017,000 | 53,903,000 | 54,422,000 | 54,773,000 |
| Risk-weighted assets | 284,789,000 | 290,191,000 | 282,132,000 | 277,144,000 |