Call reports 2007
SOUTH END SAVINGS, SB — 2007
What SOUTH END SAVINGS, SB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 33,540,000 | 34,265,000 | 34,425,000 | 33,695,000 |
| Total loans | 12,388,000 | 13,393,000 | 14,273,000 | 15,197,000 |
| Allowance for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,786,000 | 15,065,000 | 14,393,000 | 12,936,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,746,000 | 28,476,000 | 28,633,000 | 27,907,000 |
| Interest-bearing deposits | 27,086,000 | 27,752,000 | 27,896,000 | 27,327,000 |
| Noninterest-bearing deposits | 660,000 | 724,000 | 737,000 | 580,000 |
| Equity capital | 5,290,000 | 5,248,000 | 5,233,000 | 5,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 412,000 | 833,000 | 1,281,000 | 1,717,000 |
| Interest expense | 220,000 | 453,000 | 693,000 | 922,000 |
| Net interest income | 192,000 | 380,000 | 588,000 | 795,000 |
| Noninterest income | 13,000 | 26,000 | 42,000 | 56,000 |
| Noninterest expense | 243,000 | 487,000 | 726,000 | 963,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -38,000 | -81,000 | -96,000 | -112,000 |
| Income tax | -11,000 | -12,000 | -12,000 | -12,000 |
| Net income | -27,000 | -69,000 | -84,000 | -100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,290,000 | 5,248,000 | 5,233,000 | 5,217,000 |
| Total capital | 5,310,000 | 5,268,000 | 5,253,000 | 5,237,000 |
| Risk-weighted assets | 10,230,000 | 10,833,000 | 11,326,000 | 11,508,000 |