Call reports 2004
NORTH SIDE BANK AND TRUST COMPANY, THE — 2004
What NORTH SIDE BANK AND TRUST COMPANY, THE 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 | 388,624,000 | 395,678,000 | 405,820,000 | 403,668,000 |
| Total loans | 287,134,000 | 293,403,000 | 302,638,000 | 293,316,000 |
| Allowance for loan losses | 3,310,000 | 3,807,000 | 3,871,000 | 3,736,000 |
| Securities available for sale | 411,000 | 411,000 | 427,000 | 638,000 |
| Securities held to maturity | 81,075,000 | 81,032,000 | 83,727,000 | 83,042,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,787,000 | 285,376,000 | 285,550,000 | 296,880,000 |
| Interest-bearing deposits | 235,608,000 | 236,325,000 | 236,574,000 | 247,174,000 |
| Noninterest-bearing deposits | 45,179,000 | 49,051,000 | 48,976,000 | 49,706,000 |
| Equity capital | 52,311,000 | 52,478,000 | 53,190,000 | 53,849,000 |
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 | 4,693,000 | 9,295,000 | 14,099,000 | 18,876,000 |
| Interest expense | 1,415,000 | 2,776,000 | 4,178,000 | 5,592,000 |
| Net interest income | 3,278,000 | 6,519,000 | 9,921,000 | 13,284,000 |
| Noninterest income | 435,000 | 873,000 | 1,334,000 | 1,883,000 |
| Noninterest expense | 2,044,000 | 4,067,000 | 6,122,000 | 8,592,000 |
| Provision for loan losses | 225,000 | 750,000 | 825,000 | 900,000 |
| Pretax income | 1,444,000 | 2,575,000 | 4,308,000 | 5,675,000 |
| Income tax | 534,000 | 1,057,000 | 1,636,000 | 1,854,000 |
| Net income | 910,000 | 1,518,000 | 2,672,000 | 3,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,188,000 | 52,355,000 | 53,067,000 | 53,587,000 |
| Total capital | 55,498,000 | 55,893,000 | 56,713,000 | 57,141,000 |
| Risk-weighted assets | 275,235,000 | 282,758,000 | 291,444,000 | 284,163,000 |