Call reports 2016
NORTH SIDE BANK AND TRUST COMPANY, THE — 2016
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 526,534,000 | 522,352,000 | 545,075,000 | 556,524,000 |
| Total loans | 377,707,000 | 390,012,000 | 389,380,000 | 407,771,000 |
| Allowance for loan losses | 5,514,000 | 5,635,000 | 5,932,000 | 6,142,000 |
| Securities available for sale | 1,019,000 | 943,000 | 900,000 | 1,032,000 |
| Securities held to maturity | 94,717,000 | 89,418,000 | 96,500,000 | 104,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,508,000 | 391,929,000 | 405,307,000 | 422,292,000 |
| Interest-bearing deposits | 277,751,000 | 273,363,000 | 279,195,000 | 290,031,000 |
| Noninterest-bearing deposits | 118,757,000 | 118,566,000 | 126,112,000 | 132,261,000 |
| Equity capital | 72,792,000 | 73,473,000 | 74,014,000 | 74,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,394,000 | 8,896,000 | 13,426,000 | 18,184,000 |
| Interest expense | 350,000 | 698,000 | 1,054,000 | 1,420,000 |
| Net interest income | 4,044,000 | 8,198,000 | 12,372,000 | 16,764,000 |
| Noninterest income | 730,000 | 1,497,000 | 2,241,000 | 3,356,000 |
| Noninterest expense | 2,728,000 | 5,463,000 | 8,353,000 | 11,414,000 |
| Provision for loan losses | 150,000 | 300,000 | 600,000 | 900,000 |
| Pretax income | 1,896,000 | 3,932,000 | 5,660,000 | 7,806,000 |
| Income tax | 629,000 | 1,308,000 | 1,879,000 | 2,589,000 |
| Net income | 1,267,000 | 2,624,000 | 3,781,000 | 5,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,004,000 | 72,746,000 | 73,288,000 | 74,068,000 |
| Total capital | 77,869,000 | 78,711,000 | 79,531,000 | 80,580,000 |
| Risk-weighted assets | 480,162,000 | 490,700,000 | 503,731,000 | 530,466,000 |