Call reports 2015
NORTH SIDE BANK AND TRUST COMPANY, THE — 2015
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 498,185,000 | 503,356,000 | 518,243,000 | 537,585,000 |
| Total loans | 350,203,000 | 365,933,000 | 356,703,000 | 366,500,000 |
| Allowance for loan losses | 5,451,000 | 5,456,000 | 5,604,000 | 5,363,000 |
| Securities available for sale | 1,927,000 | 2,027,000 | 1,874,000 | 1,001,000 |
| Securities held to maturity | 106,459,000 | 84,627,000 | 100,349,000 | 101,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,693,000 | 382,935,000 | 387,874,000 | 403,539,000 |
| Interest-bearing deposits | 270,620,000 | 274,480,000 | 272,694,000 | 281,442,000 |
| Noninterest-bearing deposits | 112,073,000 | 108,455,000 | 115,180,000 | 122,097,000 |
| Equity capital | 70,811,000 | 71,614,000 | 72,196,000 | 72,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,273,000 | 8,561,000 | 12,882,000 | 17,302,000 |
| Interest expense | 340,000 | 681,000 | 1,025,000 | 1,388,000 |
| Net interest income | 3,933,000 | 7,880,000 | 11,857,000 | 15,914,000 |
| Noninterest income | 753,000 | 1,492,000 | 2,252,000 | 3,124,000 |
| Noninterest expense | 2,773,000 | 5,491,000 | 8,347,000 | 11,319,000 |
| Provision for loan losses | 300,000 | 450,000 | 600,000 | 750,000 |
| Pretax income | 1,613,000 | 3,431,000 | 5,162,000 | 6,969,000 |
| Income tax | 516,000 | 1,105,000 | 1,661,000 | 2,250,000 |
| Net income | 1,097,000 | 2,326,000 | 3,501,000 | 4,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,698,000 | 70,435,000 | 71,118,000 | 71,352,000 |
| Total capital | 75,895,000 | 76,695,000 | 77,457,000 | 77,071,000 |
| Risk-weighted assets | 435,078,000 | 453,116,000 | 452,345,000 | 484,143,000 |