Call reports 2005
SOUTH END SAVINGS, SB — 2005
What SOUTH END SAVINGS, SB reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 35,934,000 | 36,978,000 | 35,503,000 | 34,241,000 |
| Total loans | 8,597,000 | 8,892,000 | 9,676,000 | 9,705,000 |
| Allowance for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,313,000 | 22,872,000 | 21,207,000 | 20,201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,081,000 | 31,116,000 | 29,604,000 | 28,367,000 |
| Interest-bearing deposits | 29,473,000 | 30,131,000 | 28,945,000 | 27,664,000 |
| Noninterest-bearing deposits | 608,000 | 985,000 | 659,000 | 703,000 |
| Equity capital | 5,402,000 | 5,412,000 | 5,425,000 | 5,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 370,000 | 748,000 | 1,130,000 | 1,506,000 |
| Interest expense | 135,000 | 281,000 | 440,000 | 616,000 |
| Net interest income | 235,000 | 467,000 | 690,000 | 890,000 |
| Noninterest income | 20,000 | 43,000 | 67,000 | 84,000 |
| Noninterest expense | 228,000 | 471,000 | 702,000 | 947,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 27,000 | 39,000 | 55,000 | 27,000 |
| Income tax | 12,000 | 14,000 | 17,000 | 13,000 |
| Net income | 15,000 | 25,000 | 38,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,402,000 | 5,412,000 | 5,425,000 | 5,401,000 |
| Total capital | 5,422,000 | 5,432,000 | 5,445,000 | 5,421,000 |
| Risk-weighted assets | 8,195,000 | 8,664,000 | 8,816,000 | 8,750,000 |