Call reports 2009
NORTH SIDE BANK AND TRUST COMPANY, THE — 2009
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 495,762,000 | 499,715,000 | 511,947,000 | 508,195,000 |
| Total loans | 360,384,000 | 373,605,000 | 371,750,000 | 364,519,000 |
| Allowance for loan losses | 3,331,000 | 3,625,000 | 7,629,000 | 5,264,000 |
| Securities available for sale | 471,000 | 584,000 | 579,000 | 713,000 |
| Securities held to maturity | 105,715,000 | 101,510,000 | 101,474,000 | 101,093,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,828,000 | 365,060,000 | 376,134,000 | 378,607,000 |
| Interest-bearing deposits | 305,568,000 | 309,757,000 | 317,536,000 | 321,445,000 |
| Noninterest-bearing deposits | 56,260,000 | 55,303,000 | 58,598,000 | 57,162,000 |
| Equity capital | 62,921,000 | 62,997,000 | 60,244,000 | 61,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,964,000 | 12,276,000 | 18,387,000 | 24,524,000 |
| Interest expense | 2,181,000 | 4,254,000 | 6,181,000 | 7,939,000 |
| Net interest income | 3,783,000 | 8,022,000 | 12,206,000 | 16,585,000 |
| Noninterest income | 546,000 | 1,056,000 | 1,592,000 | 2,481,000 |
| Noninterest expense | 2,425,000 | 4,981,000 | 7,479,000 | 10,355,000 |
| Provision for loan losses | 300,000 | 1,600,000 | 5,800,000 | 6,400,000 |
| Pretax income | 1,604,000 | 2,497,000 | 519,000 | 2,311,000 |
| Income tax | 498,000 | 897,000 | 1,176,000 | 644,000 |
| Net income | 1,106,000 | 1,600,000 | -657,000 | 1,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,769,000 | 62,770,000 | 60,020,000 | 61,669,000 |
| Total capital | 66,100,000 | 66,395,000 | 64,672,000 | 66,190,000 |
| Risk-weighted assets | 351,860,000 | 365,416,000 | 369,158,000 | 360,957,000 |