Call reports 2012
SOUTH END SAVINGS, SB — 2012
What SOUTH END SAVINGS, SB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 36,459,000 | 36,507,000 | 36,239,000 | 36,284,000 |
| Total loans | 16,906,000 | 16,641,000 | 16,221,000 | 15,273,000 |
| Allowance for loan losses | 74,000 | 74,000 | 129,000 | 129,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,233,000 | 13,258,000 | 16,211,000 | 16,649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,828,000 | 30,858,000 | 30,633,000 | 30,666,000 |
| Interest-bearing deposits | 30,325,000 | 30,308,000 | 30,237,000 | 30,064,000 |
| Noninterest-bearing deposits | 503,000 | 550,000 | 396,000 | 602,000 |
| Equity capital | 5,488,000 | 5,501,000 | 5,450,000 | 5,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 308,000 | 607,000 | 887,000 | 1,152,000 |
| Interest expense | 70,000 | 137,000 | 199,000 | 257,000 |
| Net interest income | 238,000 | 470,000 | 688,000 | 895,000 |
| Noninterest income | 13,000 | 26,000 | 40,000 | 52,000 |
| Noninterest expense | 236,000 | 465,000 | 702,000 | 930,000 |
| Provision for loan losses | 15,000 | 15,000 | 70,000 | 70,000 |
| Pretax income | 0 | 16,000 | -44,000 | -53,000 |
| Income tax | 6,000 | 9,000 | 0 | -2,000 |
| Net income | -6,000 | 7,000 | -44,000 | -51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,488,000 | 5,501,000 | 5,450,000 | 5,443,000 |
| Total capital | 5,543,000 | 5,556,000 | 5,501,000 | 5,494,000 |
| Risk-weighted assets | 13,235,000 | 13,120,000 | 12,911,000 | 12,842,000 |