Call reports 2002
SOUTH END SAVINGS, SB — 2002
What SOUTH END SAVINGS, SB reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 39,561,000 | 41,258,000 | 38,443,000 | 39,005,000 |
| Total loans | 17,960,000 | 17,390,000 | 16,882,000 | 15,423,000 |
| Allowance for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,176,000 | 14,636,000 | 16,079,000 | 15,090,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,173,000 | 35,802,000 | 32,924,000 | 33,459,000 |
| Interest-bearing deposits | 33,106,000 | 35,159,000 | 32,225,000 | 32,890,000 |
| Noninterest-bearing deposits | 1,067,000 | 643,000 | 699,000 | 569,000 |
| Equity capital | 4,985,000 | 5,042,000 | 5,106,000 | 5,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,081,000 | 1,596,000 | 2,071,000 |
| Interest expense | 262,000 | 505,000 | 731,000 | 934,000 |
| Net interest income | 283,000 | 576,000 | 865,000 | 1,137,000 |
| Noninterest income | 21,000 | 43,000 | 68,000 | 91,000 |
| Noninterest expense | 210,000 | 439,000 | 655,000 | 878,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 94,000 | 180,000 | 278,000 | 350,000 |
| Income tax | 35,000 | 64,000 | 98,000 | 122,000 |
| Net income | 59,000 | 116,000 | 180,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,985,000 | 5,042,000 | 5,106,000 | 5,154,000 |
| Total capital | 5,005,000 | 5,062,000 | 5,126,000 | 5,174,000 |
| Risk-weighted assets | 13,009,000 | 13,225,000 | 12,377,000 | 11,892,000 |