Call reports 2003
SOUTH END SAVINGS, SB — 2003
What SOUTH END SAVINGS, SB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,692,000 | 38,400,000 | 38,506,000 | 37,742,000 |
| Total loans | 13,728,000 | 11,420,000 | 9,877,000 | 9,139,000 |
| Allowance for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,517,000 | 18,932,000 | 22,159,000 | 23,027,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,097,000 | 32,752,000 | 32,838,000 | 32,019,000 |
| Interest-bearing deposits | 32,540,000 | 31,920,000 | 32,102,000 | 31,132,000 |
| Noninterest-bearing deposits | 557,000 | 832,000 | 736,000 | 887,000 |
| Equity capital | 5,202,000 | 5,243,000 | 5,277,000 | 5,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 454,000 | 879,000 | 1,272,000 | 1,659,000 |
| Interest expense | 181,000 | 347,000 | 496,000 | 636,000 |
| Net interest income | 273,000 | 532,000 | 776,000 | 1,023,000 |
| Noninterest income | 21,000 | 47,000 | 72,000 | 94,000 |
| Noninterest expense | 221,000 | 446,000 | 666,000 | 888,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 133,000 | 182,000 | 229,000 |
| Income tax | 25,000 | 44,000 | 59,000 | 73,000 |
| Net income | 48,000 | 89,000 | 123,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,202,000 | 5,243,000 | 5,277,000 | 5,310,000 |
| Total capital | 5,222,000 | 5,263,000 | 5,297,000 | 5,330,000 |
| Risk-weighted assets | 11,421,000 | 10,531,000 | 9,846,000 | 9,170,000 |