Call reports 2011
SOUTH END SAVINGS, SB — 2011
What SOUTH END SAVINGS, SB reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 35,306,000 | 36,018,000 | 35,972,000 | 36,337,000 |
| Total loans | 18,424,000 | 18,258,000 | 18,097,000 | 17,714,000 |
| Allowance for loan losses | 59,000 | 59,000 | 59,000 | 59,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,403,000 | 12,301,000 | 11,941,000 | 13,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,752,000 | 30,452,000 | 30,344,000 | 30,676,000 |
| Interest-bearing deposits | 29,230,000 | 29,988,000 | 29,740,000 | 30,048,000 |
| Noninterest-bearing deposits | 522,000 | 464,000 | 604,000 | 628,000 |
| Equity capital | 5,424,000 | 5,436,000 | 5,470,000 | 5,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 328,000 | 655,000 | 981,000 | 1,308,000 |
| Interest expense | 79,000 | 156,000 | 229,000 | 300,000 |
| Net interest income | 249,000 | 499,000 | 752,000 | 1,008,000 |
| Noninterest income | 11,000 | 24,000 | 36,000 | 49,000 |
| Noninterest expense | 224,000 | 473,000 | 698,000 | 934,000 |
| Provision for loan losses | 39,000 | 39,000 | 39,000 | 39,000 |
| Pretax income | -3,000 | 11,000 | 51,000 | 84,000 |
| Income tax | -5,000 | -3,000 | 3,000 | 12,000 |
| Net income | 2,000 | 14,000 | 48,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,424,000 | 5,436,000 | 5,470,000 | 5,494,000 |
| Total capital | 5,444,000 | 5,456,000 | 5,490,000 | 5,514,000 |
| Risk-weighted assets | 13,386,000 | 13,467,000 | 13,413,000 | 13,355,000 |