Call reports 2005
NORTH SIDE BANK AND TRUST COMPANY, THE — 2005
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 403,326,000 | 403,700,000 | 416,652,000 | 426,904,000 |
| Total loans | 298,394,000 | 298,957,000 | 291,507,000 | 300,644,000 |
| Allowance for loan losses | 3,780,000 | 2,829,000 | 3,195,000 | 3,012,000 |
| Securities available for sale | 638,000 | 531,000 | 531,000 | 604,000 |
| Securities held to maturity | 82,883,000 | 82,797,000 | 92,900,000 | 97,018,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,621,000 | 297,128,000 | 310,077,000 | 320,898,000 |
| Interest-bearing deposits | 249,599,000 | 248,615,000 | 257,273,000 | 267,701,000 |
| Noninterest-bearing deposits | 50,022,000 | 48,513,000 | 52,804,000 | 53,197,000 |
| Equity capital | 54,401,000 | 54,988,000 | 55,920,000 | 56,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,990,000 | 10,308,000 | 16,123,000 | 22,263,000 |
| Interest expense | 1,537,000 | 3,285,000 | 5,232,000 | 7,406,000 |
| Net interest income | 3,453,000 | 7,023,000 | 10,891,000 | 14,857,000 |
| Noninterest income | 496,000 | 1,014,000 | 1,531,000 | 2,187,000 |
| Noninterest expense | 2,255,000 | 4,468,000 | 6,547,000 | 8,886,000 |
| Provision for loan losses | 225,000 | 450,000 | 825,000 | 900,000 |
| Pretax income | 1,469,000 | 3,119,000 | 5,050,000 | 7,258,000 |
| Income tax | 476,000 | 1,028,000 | 1,586,000 | 2,409,000 |
| Net income | 993,000 | 2,091,000 | 3,464,000 | 4,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,139,000 | 54,796,000 | 55,728,000 | 56,357,000 |
| Total capital | 57,761,000 | 57,625,000 | 58,923,000 | 59,369,000 |
| Risk-weighted assets | 289,622,000 | 290,000,000 | 286,097,000 | 293,590,000 |