Call reports 2012
NORTH SIDE BANK AND TRUST COMPANY, THE — 2012
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 490,044,000 | 488,644,000 | 503,668,000 | 499,502,000 |
| Total loans | 339,237,000 | 352,792,000 | 351,410,000 | 345,249,000 |
| Allowance for loan losses | 6,114,000 | 6,397,000 | 6,892,000 | 5,424,000 |
| Securities available for sale | 916,000 | 861,000 | 851,000 | 924,000 |
| Securities held to maturity | 101,516,000 | 101,469,000 | 101,529,000 | 102,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,533,000 | 374,728,000 | 381,741,000 | 388,780,000 |
| Interest-bearing deposits | 311,257,000 | 300,998,000 | 303,380,000 | 295,802,000 |
| Noninterest-bearing deposits | 71,276,000 | 73,730,000 | 78,361,000 | 92,978,000 |
| Equity capital | 65,043,000 | 64,963,000 | 65,244,000 | 65,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,400,000 | 8,775,000 | 13,357,000 | 17,685,000 |
| Interest expense | 638,000 | 1,221,000 | 1,775,000 | 2,312,000 |
| Net interest income | 3,762,000 | 7,554,000 | 11,582,000 | 15,373,000 |
| Noninterest income | 683,000 | 1,324,000 | 1,747,000 | 2,434,000 |
| Noninterest expense | 2,668,000 | 5,430,000 | 7,966,000 | 10,714,000 |
| Provision for loan losses | 300,000 | 1,300,000 | 2,100,000 | 2,800,000 |
| Pretax income | 1,477,000 | 2,148,000 | 3,263,000 | 4,293,000 |
| Income tax | 609,000 | 832,000 | 1,168,000 | 1,387,000 |
| Net income | 868,000 | 1,316,000 | 2,095,000 | 2,906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,597,000 | 64,553,000 | 64,840,000 | 65,159,000 |
| Total capital | 68,924,000 | 69,038,000 | 69,351,000 | 69,599,000 |
| Risk-weighted assets | 344,177,000 | 356,849,000 | 358,507,000 | 354,214,000 |