Call reports 2007
NORTH SIDE BANK AND TRUST COMPANY, THE — 2007
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 456,351,000 | 447,244,000 | 453,593,000 | 445,034,000 |
| Total loans | 300,552,000 | 307,000,000 | 307,229,000 | 315,319,000 |
| Allowance for loan losses | 3,589,000 | 3,470,000 | 3,369,000 | 3,291,000 |
| Securities available for sale | 596,000 | 604,000 | 604,000 | 661,000 |
| Securities held to maturity | 106,454,000 | 106,501,000 | 106,585,000 | 106,255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,062,000 | 335,066,000 | 333,873,000 | 331,409,000 |
| Interest-bearing deposits | 284,856,000 | 280,757,000 | 278,419,000 | 267,428,000 |
| Noninterest-bearing deposits | 54,206,000 | 54,309,000 | 55,454,000 | 63,981,000 |
| Equity capital | 59,210,000 | 60,080,000 | 60,967,000 | 61,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,265,000 | 14,651,000 | 22,178,000 | 29,390,000 |
| Interest expense | 3,438,000 | 6,898,000 | 10,457,000 | 13,865,000 |
| Net interest income | 3,827,000 | 7,753,000 | 11,721,000 | 15,525,000 |
| Noninterest income | 682,000 | 1,270,000 | 1,815,000 | 2,474,000 |
| Noninterest expense | 2,359,000 | 4,642,000 | 6,926,000 | 9,429,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 1,925,000 | 3,931,000 | 5,935,000 | 7,670,000 |
| Income tax | 613,000 | 1,261,000 | 1,885,000 | 2,470,000 |
| Net income | 1,312,000 | 2,670,000 | 4,050,000 | 5,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,975,000 | 59,840,000 | 60,727,000 | 61,201,000 |
| Total capital | 62,564,000 | 63,310,000 | 64,096,000 | 64,492,000 |
| Risk-weighted assets | 298,294,000 | 303,078,000 | 304,157,000 | 308,560,000 |