Call reports 2008
SOUTH END SAVINGS, SB — 2008
What SOUTH END SAVINGS, SB reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 32,925,000 | 33,452,000 | 32,323,000 | 32,044,000 |
| Total loans | 15,892,000 | 16,335,000 | 17,975,000 | 17,868,000 |
| Allowance for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,497,000 | 11,597,000 | 11,341,000 | 10,629,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,152,000 | 27,649,000 | 26,921,000 | 26,617,000 |
| Interest-bearing deposits | 26,541,000 | 26,883,000 | 26,217,000 | 26,065,000 |
| Noninterest-bearing deposits | 611,000 | 766,000 | 704,000 | 552,000 |
| Equity capital | 5,229,000 | 5,229,000 | 5,256,000 | 5,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 422,000 | 817,000 | 1,224,000 | 1,617,000 |
| Interest expense | 198,000 | 371,000 | 536,000 | 689,000 |
| Net interest income | 224,000 | 446,000 | 688,000 | 928,000 |
| Noninterest income | 14,000 | 27,000 | 41,000 | 56,000 |
| Noninterest expense | 227,000 | 462,000 | 690,000 | 913,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,000 | 11,000 | 39,000 | 71,000 |
| Income tax | -1,000 | -1,000 | 0 | 5,000 |
| Net income | 12,000 | 12,000 | 39,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,229,000 | 5,229,000 | 5,256,000 | 5,282,000 |
| Total capital | 5,249,000 | 5,249,000 | 5,276,000 | 5,302,000 |
| Risk-weighted assets | 11,592,000 | 11,962,000 | 12,253,000 | 12,293,000 |