Call reports 2010
SOUTH END SAVINGS, SB — 2010
What SOUTH END SAVINGS, SB reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 35,913,000 | 34,311,000 | 34,706,000 | 35,685,000 |
| Total loans | 19,342,000 | 19,358,000 | 19,580,000 | 18,625,000 |
| Allowance for loan losses | 23,000 | 20,000 | 20,000 | 20,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,819,000 | 9,671,000 | 11,747,000 | 12,061,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,442,000 | 28,800,000 | 29,129,000 | 30,091,000 |
| Interest-bearing deposits | 29,817,000 | 28,185,000 | 28,588,000 | 29,604,000 |
| Noninterest-bearing deposits | 625,000 | 615,000 | 541,000 | 487,000 |
| Equity capital | 5,320,000 | 5,354,000 | 5,385,000 | 5,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 379,000 | 737,000 | 1,085,000 | 1,422,000 |
| Interest expense | 121,000 | 208,000 | 292,000 | 375,000 |
| Net interest income | 258,000 | 529,000 | 793,000 | 1,047,000 |
| Noninterest income | 14,000 | 28,000 | 43,000 | 56,000 |
| Noninterest expense | 243,000 | 480,000 | 715,000 | 928,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 26,000 | 74,000 | 118,000 | 172,000 |
| Income tax | 6,000 | 20,000 | 33,000 | 50,000 |
| Net income | 20,000 | 54,000 | 85,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,320,000 | 5,354,000 | 5,385,000 | 5,422,000 |
| Total capital | 5,343,000 | 5,374,000 | 5,405,000 | 5,442,000 |
| Risk-weighted assets | 13,815,000 | 13,436,000 | 13,542,000 | 13,501,000 |