Call reports 2006
NORTH SIDE BANK AND TRUST COMPANY, THE — 2006
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 432,281,000 | 442,408,000 | 444,814,000 | 454,504,000 |
| Total loans | 309,243,000 | 317,301,000 | 307,513,000 | 294,619,000 |
| Allowance for loan losses | 3,148,000 | 3,404,000 | 3,719,000 | 3,240,000 |
| Securities available for sale | 604,000 | 604,000 | 604,000 | 596,000 |
| Securities held to maturity | 102,563,000 | 102,224,000 | 102,108,000 | 106,442,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,997,000 | 326,611,000 | 326,422,000 | 339,727,000 |
| Interest-bearing deposits | 265,827,000 | 271,882,000 | 274,627,000 | 285,907,000 |
| Noninterest-bearing deposits | 50,170,000 | 54,729,000 | 51,795,000 | 53,820,000 |
| Equity capital | 57,627,000 | 58,588,000 | 59,507,000 | 58,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,309,000 | 13,168,000 | 20,363,000 | 27,752,000 |
| Interest expense | 2,356,000 | 5,207,000 | 8,371,000 | 11,873,000 |
| Net interest income | 3,953,000 | 7,961,000 | 11,992,000 | 15,879,000 |
| Noninterest income | 569,000 | 1,145,000 | 1,713,000 | 2,595,000 |
| Noninterest expense | 2,263,000 | 4,576,000 | 6,836,000 | 9,279,000 |
| Provision for loan losses | 225,000 | 450,000 | 825,000 | 1,700,000 |
| Pretax income | 2,034,000 | 4,080,000 | 6,044,000 | 7,495,000 |
| Income tax | 563,000 | 1,207,000 | 1,811,000 | 2,389,000 |
| Net income | 1,471,000 | 2,873,000 | 4,233,000 | 5,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,387,000 | 58,348,000 | 59,267,000 | 58,154,000 |
| Total capital | 60,535,000 | 61,752,000 | 62,986,000 | 61,394,000 |
| Risk-weighted assets | 302,835,000 | 308,839,000 | 304,038,000 | 295,429,000 |