Call reports 2006
SOUTH END SAVINGS, SB — 2006
What SOUTH END SAVINGS, SB reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 34,621,000 | 34,682,000 | 34,352,000 | 33,435,000 |
| Total loans | 9,983,000 | 11,195,000 | 11,751,000 | 12,402,000 |
| Allowance for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,494,000 | 17,705,000 | 17,028,000 | 15,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,792,000 | 28,848,000 | 28,541,000 | 27,601,000 |
| Interest-bearing deposits | 28,071,000 | 27,943,000 | 27,936,000 | 26,919,000 |
| Noninterest-bearing deposits | 721,000 | 905,000 | 605,000 | 682,000 |
| Equity capital | 5,371,000 | 5,350,000 | 5,331,000 | 5,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 383,000 | 781,000 | 1,193,000 | 1,619,000 |
| Interest expense | 188,000 | 395,000 | 613,000 | 833,000 |
| Net interest income | 195,000 | 386,000 | 580,000 | 786,000 |
| Noninterest income | 17,000 | 32,000 | 48,000 | 62,000 |
| Noninterest expense | 249,000 | 480,000 | 711,000 | 950,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -37,000 | -62,000 | -83,000 | -102,000 |
| Income tax | -7,000 | -11,000 | -14,000 | -18,000 |
| Net income | -30,000 | -51,000 | -69,000 | -84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,371,000 | 5,350,000 | 5,331,000 | 5,317,000 |
| Total capital | 5,391,000 | 5,370,000 | 5,351,000 | 5,337,000 |
| Risk-weighted assets | 9,128,000 | 9,607,000 | 9,824,000 | 9,967,000 |