Call reports 2013
MID-SOUTHERN SAVINGS BANK, F.S.B. — 2013
What MID-SOUTHERN SAVINGS BANK, F.S.B. 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 | 218,851,000 | 209,710,000 | 207,173,000 | 203,575,000 |
| Total loans | 166,098,000 | 166,773,000 | 164,393,000 | 158,539,000 |
| Allowance for loan losses | 1,170,000 | 3,959,000 | 4,117,000 | 3,803,000 |
| Securities available for sale | 21,224,000 | 17,513,000 | 17,084,000 | 16,188,000 |
| Securities held to maturity | 3,460,000 | 3,409,000 | 3,306,000 | 3,239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,163,000 | 188,256,000 | 185,400,000 | 182,746,000 |
| Interest-bearing deposits | 182,909,000 | 176,642,000 | 174,132,000 | 171,821,000 |
| Noninterest-bearing deposits | 12,254,000 | 11,614,000 | 11,268,000 | 10,925,000 |
| Equity capital | 22,845,000 | 20,917,000 | 21,151,000 | 20,246,000 |
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 | 2,269,000 | 4,427,000 | 6,580,000 | 8,543,000 |
| Interest expense | 432,000 | 815,000 | 1,160,000 | 1,503,000 |
| Net interest income | 1,837,000 | 3,612,000 | 5,420,000 | 7,040,000 |
| Noninterest income | 218,000 | 462,000 | 585,000 | 758,000 |
| Noninterest expense | 1,137,000 | 2,488,000 | 3,778,000 | 5,115,000 |
| Provision for loan losses | 0 | 3,020,000 | 3,170,000 | 4,820,000 |
| Pretax income | 918,000 | -1,434,000 | -943,000 | -2,137,000 |
| Income tax | 338,000 | -449,000 | -395,000 | -916,000 |
| Net income | 580,000 | -985,000 | -548,000 | -1,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,711,000 | 20,952,000 | 21,199,000 | 20,335,000 |
| Total capital | 23,881,000 | 22,779,000 | 23,019,000 | 22,123,000 |
| Risk-weighted assets | 145,716,000 | 143,994,000 | 143,335,000 | 140,991,000 |