Call reports 2009
SOUTH END SAVINGS, SB — 2009
What SOUTH END SAVINGS, SB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 37,545,000 | 37,269,000 | 36,616,000 | 35,590,000 |
| Total loans | 18,278,000 | 19,441,000 | 18,977,000 | 19,335,000 |
| Allowance for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,473,000 | 11,765,000 | 12,011,000 | 11,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,145,000 | 31,838,000 | 31,157,000 | 30,140,000 |
| Interest-bearing deposits | 31,105,000 | 31,270,000 | 30,573,000 | 29,609,000 |
| Noninterest-bearing deposits | 1,040,000 | 568,000 | 584,000 | 531,000 |
| Equity capital | 5,264,000 | 5,269,000 | 5,274,000 | 5,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 397,000 | 798,000 | 1,188,000 | 1,573,000 |
| Interest expense | 174,000 | 345,000 | 505,000 | 648,000 |
| Net interest income | 223,000 | 453,000 | 683,000 | 925,000 |
| Noninterest income | 12,000 | 34,000 | 48,000 | 62,000 |
| Noninterest expense | 253,000 | 499,000 | 737,000 | 963,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -18,000 | -12,000 | -6,000 | 24,000 |
| Income tax | 0 | 1,000 | 2,000 | 6,000 |
| Net income | -18,000 | -13,000 | -8,000 | 18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,264,000 | 5,269,000 | 5,274,000 | 5,300,000 |
| Total capital | 5,284,000 | 5,289,000 | 5,294,000 | 5,320,000 |
| Risk-weighted assets | 13,892,000 | 13,810,000 | 13,700,000 | 13,779,000 |