Call reports 2013
NORTH SIDE BANK AND TRUST COMPANY, THE — 2013
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 494,868,000 | 489,011,000 | 505,173,000 | 500,199,000 |
| Total loans | 352,170,000 | 355,256,000 | 344,557,000 | 345,987,000 |
| Allowance for loan losses | 5,678,000 | 5,612,000 | 5,523,000 | 5,362,000 |
| Securities available for sale | 1,017,000 | 1,168,000 | 1,214,000 | 1,364,000 |
| Securities held to maturity | 102,454,000 | 101,573,000 | 101,214,000 | 99,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,245,000 | 373,561,000 | 386,640,000 | 388,185,000 |
| Interest-bearing deposits | 299,300,000 | 295,788,000 | 296,449,000 | 294,069,000 |
| Noninterest-bearing deposits | 80,945,000 | 77,773,000 | 90,191,000 | 94,116,000 |
| Equity capital | 66,412,000 | 67,165,000 | 67,858,000 | 68,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,264,000 | 8,669,000 | 12,992,000 | 17,196,000 |
| Interest expense | 487,000 | 974,000 | 1,403,000 | 1,819,000 |
| Net interest income | 3,777,000 | 7,695,000 | 11,589,000 | 15,377,000 |
| Noninterest income | 698,000 | 1,400,000 | 2,091,000 | 2,794,000 |
| Noninterest expense | 2,554,000 | 5,120,000 | 7,665,000 | 10,381,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 1,621,000 | 3,375,000 | 5,115,000 | 6,590,000 |
| Income tax | 389,000 | 999,000 | 1,584,000 | 2,064,000 |
| Net income | 1,232,000 | 2,376,000 | 3,531,000 | 4,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,899,000 | 66,552,000 | 67,215,000 | 67,718,000 |
| Total capital | 70,431,000 | 71,127,000 | 71,663,000 | 72,191,000 |
| Risk-weighted assets | 361,421,000 | 364,927,000 | 354,732,000 | 356,933,000 |