Call reports 2013
SOUTH END SAVINGS, SB — 2013
What SOUTH END SAVINGS, SB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 36,351,000 | 36,310,000 | 36,835,000 | 36,387,000 |
| Total loans | 14,722,000 | 14,531,000 | 13,936,000 | 13,638,000 |
| Allowance for loan losses | 95,000 | 100,000 | 100,000 | 100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,304,000 | 17,199,000 | 17,075,000 | 18,998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,797,000 | 30,754,000 | 31,285,000 | 30,822,000 |
| Interest-bearing deposits | 30,164,000 | 30,171,000 | 30,812,000 | 30,088,000 |
| Noninterest-bearing deposits | 633,000 | 583,000 | 473,000 | 734,000 |
| Equity capital | 5,391,000 | 5,381,000 | 5,369,000 | 5,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 274,000 | 552,000 | 823,000 | 1,100,000 |
| Interest expense | 53,000 | 105,000 | 159,000 | 209,000 |
| Net interest income | 221,000 | 447,000 | 664,000 | 891,000 |
| Noninterest income | 11,000 | 22,000 | 43,000 | 54,000 |
| Noninterest expense | 226,000 | 468,000 | 718,000 | 959,000 |
| Provision for loan losses | 91,000 | 96,000 | 96,000 | 96,000 |
| Pretax income | -85,000 | -95,000 | -107,000 | -110,000 |
| Income tax | -33,000 | -33,000 | -33,000 | -33,000 |
| Net income | -52,000 | -62,000 | -74,000 | -77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,391,000 | 5,381,000 | 5,369,000 | 5,366,000 |
| Total capital | 5,486,000 | 5,481,000 | 5,469,000 | 5,466,000 |
| Risk-weighted assets | 12,573,000 | 12,525,000 | 12,314,000 | 12,112,000 |