Call reports 2008
NORTH SIDE BANK AND TRUST COMPANY, THE — 2008
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 454,703,000 | 482,310,000 | 488,427,000 | 482,107,000 |
| Total loans | 324,561,000 | 347,496,000 | 348,772,000 | 356,892,000 |
| Allowance for loan losses | 3,559,000 | 3,665,000 | 4,114,000 | 3,426,000 |
| Securities available for sale | 536,000 | 618,000 | 552,000 | 491,000 |
| Securities held to maturity | 106,139,000 | 106,115,000 | 106,080,000 | 105,755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,452,000 | 349,415,000 | 346,341,000 | 345,429,000 |
| Interest-bearing deposits | 285,691,000 | 289,736,000 | 290,642,000 | 287,130,000 |
| Noninterest-bearing deposits | 58,761,000 | 59,679,000 | 55,699,000 | 58,299,000 |
| Equity capital | 62,190,000 | 62,245,000 | 62,796,000 | 62,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,906,000 | 13,472,000 | 20,101,000 | 26,423,000 |
| Interest expense | 3,065,000 | 5,834,000 | 8,581,000 | 11,199,000 |
| Net interest income | 3,841,000 | 7,638,000 | 11,520,000 | 15,224,000 |
| Noninterest income | 612,000 | 1,205,000 | 1,814,000 | 2,403,000 |
| Noninterest expense | 2,393,000 | 4,824,000 | 7,159,000 | 10,107,000 |
| Provision for loan losses | 225,000 | 1,450,000 | 2,125,000 | 3,100,000 |
| Pretax income | 1,916,000 | 2,650,000 | 4,131,000 | 4,501,000 |
| Income tax | 630,000 | 871,000 | 1,266,000 | 1,395,000 |
| Net income | 1,286,000 | 1,779,000 | 2,865,000 | 3,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,995,000 | 61,996,000 | 62,590,000 | 62,154,000 |
| Total capital | 65,554,000 | 65,661,000 | 66,704,000 | 65,580,000 |
| Risk-weighted assets | 316,623,000 | 339,056,000 | 341,500,000 | 346,203,000 |