Call reports 2004
SOUTH END SAVINGS, SB — 2004
What SOUTH END SAVINGS, SB reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 37,163,000 | 38,878,000 | 38,594,000 | 36,961,000 |
| Total loans | 8,920,000 | 9,508,000 | 9,558,000 | 8,806,000 |
| Allowance for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,419,000 | 24,731,000 | 23,982,000 | 24,097,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,417,000 | 33,141,000 | 32,771,000 | 31,138,000 |
| Interest-bearing deposits | 30,908,000 | 32,421,000 | 32,054,000 | 30,439,000 |
| Noninterest-bearing deposits | 509,000 | 720,000 | 717,000 | 699,000 |
| Equity capital | 5,331,000 | 5,329,000 | 5,365,000 | 5,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 378,000 | 757,000 | 1,143,000 | 1,525,000 |
| Interest expense | 136,000 | 275,000 | 419,000 | 558,000 |
| Net interest income | 242,000 | 482,000 | 724,000 | 967,000 |
| Noninterest income | 22,000 | 46,000 | 73,000 | 96,000 |
| Noninterest expense | 232,000 | 499,000 | 728,000 | 960,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 32,000 | 29,000 | 69,000 | 103,000 |
| Income tax | 11,000 | 10,000 | 13,000 | 26,000 |
| Net income | 21,000 | 19,000 | 56,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,331,000 | 5,329,000 | 5,365,000 | 5,387,000 |
| Total capital | 5,351,000 | 5,349,000 | 5,385,000 | 5,407,000 |
| Risk-weighted assets | 8,994,000 | 9,054,000 | 9,254,000 | 8,535,000 |