Call reports 2012
MID-SOUTHERN SAVINGS BANK, F.S.B. — 2012
What MID-SOUTHERN SAVINGS BANK, F.S.B. 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 | 224,236,000 | 224,020,000 | 222,051,000 | 218,228,000 |
| Total loans | 161,596,000 | 164,067,000 | 166,182,000 | 167,118,000 |
| Allowance for loan losses | 581,000 | 1,193,000 | 1,176,000 | 1,164,000 |
| Securities available for sale | 18,665,000 | 21,533,000 | 21,621,000 | 21,360,000 |
| Securities held to maturity | 2,069,000 | 1,968,000 | 1,880,000 | 3,555,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,565,000 | 201,874,000 | 199,330,000 | 194,747,000 |
| Interest-bearing deposits | 191,315,000 | 191,764,000 | 189,112,000 | 183,521,000 |
| Noninterest-bearing deposits | 10,250,000 | 10,110,000 | 10,218,000 | 11,226,000 |
| Equity capital | 21,832,000 | 21,775,000 | 22,131,000 | 22,490,000 |
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 | 2,324,000 | 4,675,000 | 7,013,000 | 9,351,000 |
| Interest expense | 543,000 | 1,074,000 | 1,591,000 | 2,071,000 |
| Net interest income | 1,781,000 | 3,601,000 | 5,422,000 | 7,280,000 |
| Noninterest income | 184,000 | 347,000 | 567,000 | 799,000 |
| Noninterest expense | 1,060,000 | 2,164,000 | 3,260,000 | 4,441,000 |
| Provision for loan losses | 0 | 771,000 | 871,000 | 925,000 |
| Pretax income | 905,000 | 1,013,000 | 1,858,000 | 2,713,000 |
| Income tax | 331,000 | 356,000 | 662,000 | 962,000 |
| Net income | 574,000 | 657,000 | 1,196,000 | 1,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,721,000 | 21,613,000 | 21,960,000 | 22,322,000 |
| Total capital | 22,302,000 | 22,806,000 | 23,136,000 | 23,486,000 |
| Risk-weighted assets | 139,299,000 | 139,299,000 | 141,080,000 | 145,183,000 |