Call reports 2010
NORTH SIDE BANK AND TRUST COMPANY, THE — 2010
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 501,228,000 | 503,808,000 | 501,523,000 | 500,578,000 |
| Total loans | 355,219,000 | 357,948,000 | 350,521,000 | 351,642,000 |
| Allowance for loan losses | 6,066,000 | 6,718,000 | 5,974,000 | 6,628,000 |
| Securities available for sale | 767,000 | 595,000 | 661,000 | 651,000 |
| Securities held to maturity | 101,022,000 | 100,908,000 | 100,877,000 | 100,527,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,373,000 | 384,388,000 | 378,955,000 | 379,866,000 |
| Interest-bearing deposits | 322,818,000 | 324,681,000 | 322,637,000 | 321,455,000 |
| Noninterest-bearing deposits | 56,555,000 | 59,707,000 | 56,318,000 | 58,411,000 |
| Equity capital | 60,763,000 | 61,413,000 | 62,229,000 | 62,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,897,000 | 11,728,000 | 17,602,000 | 23,277,000 |
| Interest expense | 1,448,000 | 2,834,000 | 4,107,000 | 5,281,000 |
| Net interest income | 4,449,000 | 8,894,000 | 13,495,000 | 17,996,000 |
| Noninterest income | 644,000 | 1,235,000 | 1,876,000 | 2,399,000 |
| Noninterest expense | 2,604,000 | 5,192,000 | 7,776,000 | 10,678,000 |
| Provision for loan losses | 3,000,000 | 4,100,000 | 4,900,000 | 6,400,000 |
| Pretax income | -511,000 | 837,000 | 2,695,000 | 3,317,000 |
| Income tax | 250,000 | 342,000 | 937,000 | 1,038,000 |
| Net income | -761,000 | 495,000 | 1,758,000 | 2,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,415,000 | 61,179,000 | 61,951,000 | 61,980,000 |
| Total capital | 64,835,000 | 65,646,000 | 66,325,000 | 66,405,000 |
| Risk-weighted assets | 351,967,000 | 355,077,000 | 348,320,000 | 351,812,000 |