Call reports 2014
NORTH SIDE BANK AND TRUST COMPANY, THE — 2014
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 491,893,000 | 496,520,000 | 493,469,000 | 495,248,000 |
| Total loans | 347,585,000 | 354,311,000 | 335,354,000 | 347,829,000 |
| Allowance for loan losses | 5,522,000 | 5,639,000 | 5,031,000 | 5,284,000 |
| Securities available for sale | 1,395,000 | 1,433,000 | 1,532,000 | 1,722,000 |
| Securities held to maturity | 100,877,000 | 101,455,000 | 100,917,000 | 98,745,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,776,000 | 376,570,000 | 371,441,000 | 380,034,000 |
| Interest-bearing deposits | 294,413,000 | 284,092,000 | 282,864,000 | 276,605,000 |
| Noninterest-bearing deposits | 83,363,000 | 92,478,000 | 88,577,000 | 103,429,000 |
| Equity capital | 69,073,000 | 69,620,000 | 70,168,000 | 70,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,150,000 | 8,455,000 | 12,657,000 | 16,854,000 |
| Interest expense | 382,000 | 759,000 | 1,126,000 | 1,493,000 |
| Net interest income | 3,768,000 | 7,696,000 | 11,531,000 | 15,361,000 |
| Noninterest income | 649,000 | 1,402,000 | 2,002,000 | 2,507,000 |
| Noninterest expense | 2,707,000 | 5,416,000 | 8,136,000 | 11,349,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 1,410,000 | 3,082,000 | 4,497,000 | 5,319,000 |
| Income tax | 325,000 | 983,000 | 1,423,000 | 1,669,000 |
| Net income | 1,085,000 | 2,099,000 | 3,074,000 | 3,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,311,000 | 68,833,000 | 69,316,000 | 69,093,000 |
| Total capital | 72,797,000 | 73,962,000 | 74,230,000 | 74,202,000 |
| Risk-weighted assets | 357,878,000 | 366,293,000 | 345,973,000 | 354,532,000 |