Call reports 2014
SOUTH END SAVINGS, SB — 2014
What SOUTH END SAVINGS, SB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 35,387,000 | 35,005,000 | 34,735,000 | 34,300,000 |
| Total loans | 13,570,000 | 13,343,000 | 13,176,000 | 12,347,000 |
| Allowance for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,938,000 | 18,115,000 | 18,039,000 | 15,975,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,867,000 | 29,496,000 | 29,245,000 | 28,840,000 |
| Interest-bearing deposits | 29,235,000 | 28,779,000 | 28,781,000 | 28,206,000 |
| Noninterest-bearing deposits | 632,000 | 717,000 | 464,000 | 634,000 |
| Equity capital | 5,333,000 | 5,315,000 | 5,285,000 | 5,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 274,000 | 538,000 | 803,000 | 1,052,000 |
| Interest expense | 42,000 | 81,000 | 124,000 | 166,000 |
| Net interest income | 232,000 | 457,000 | 679,000 | 886,000 |
| Noninterest income | 17,000 | 28,000 | 40,000 | 51,000 |
| Noninterest expense | 250,000 | 504,000 | 768,000 | 1,040,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -1,000 | -19,000 | -49,000 | -103,000 |
| Income tax | 32,000 | 32,000 | 32,000 | 32,000 |
| Net income | -33,000 | -51,000 | -81,000 | -135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,333,000 | 5,315,000 | 5,285,000 | 5,231,000 |
| Total capital | 5,433,000 | 5,415,000 | 5,385,000 | 5,331,000 |
| Risk-weighted assets | 11,858,000 | 11,695,000 | 11,564,000 | 11,289,000 |