Call reports 2025
NORTH SIDE BANK AND TRUST COMPANY, THE — 2025
What NORTH SIDE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,047,602,000 | 1,071,019,000 | 1,113,337,000 | 1,180,148,000 |
| Total loans | 728,234,000 | 737,085,000 | 737,435,000 | 746,040,000 |
| Allowance for loan losses | 8,955,000 | 8,876,000 | 9,056,000 | 9,189,000 |
| Securities available for sale | 156,858,000 | 160,293,000 | 166,276,000 | 185,581,000 |
| Securities held to maturity | 61,683,000 | 60,777,000 | 60,095,000 | 58,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 865,887,000 | 881,428,000 | 923,061,000 | 987,697,000 |
| Interest-bearing deposits | 673,721,000 | 683,924,000 | 720,250,000 | 745,267,000 |
| Noninterest-bearing deposits | 192,166,000 | 197,504,000 | 202,811,000 | 242,430,000 |
| Equity capital | 93,395,000 | 94,795,000 | 99,170,000 | 101,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,980,000 | 26,057,000 | 39,770,000 | 53,935,000 |
| Interest expense | 6,069,000 | 12,097,000 | 18,338,000 | 24,832,000 |
| Net interest income | 6,911,000 | 13,960,000 | 21,432,000 | 29,103,000 |
| Noninterest income | 966,000 | 1,967,000 | 2,972,000 | 4,107,000 |
| Noninterest expense | 4,572,000 | 8,993,000 | 13,552,000 | 18,322,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 3,712,000 | 6,822,000 | 9,897,000 | 13,942,000 |
| Income tax | 733,000 | 1,272,000 | 1,940,000 | 2,745,000 |
| Net income | 2,979,000 | 5,550,000 | 7,957,000 | 11,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,527,000 | 126,174,000 | 127,600,000 | 129,102,000 |
| Total capital | 135,072,000 | 135,625,000 | 137,306,000 | 138,941,000 |
| Risk-weighted assets | 1,025,463,000 | 1,008,104,000 | 1,017,613,000 | 1,023,051,000 |