Call reports 2014
MID-SOUTHERN SAVINGS BANK, F.S.B. — 2014
What MID-SOUTHERN SAVINGS BANK, F.S.B. 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 | 206,512,000 | 200,530,000 | 192,991,000 | 193,885,000 |
| Total loans | 152,727,000 | 147,434,000 | 141,002,000 | 134,323,000 |
| Allowance for loan losses | 4,470,000 | 4,343,000 | 4,420,000 | 4,461,000 |
| Securities available for sale | 11,100,000 | 14,023,000 | 16,835,000 | 17,833,000 |
| Securities held to maturity | 3,107,000 | 2,792,000 | 2,747,000 | 950,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,744,000 | 179,510,000 | 171,637,000 | 172,376,000 |
| Interest-bearing deposits | 171,626,000 | 167,071,000 | 158,988,000 | 157,991,000 |
| Noninterest-bearing deposits | 14,118,000 | 12,439,000 | 12,649,000 | 14,385,000 |
| Equity capital | 20,215,000 | 20,433,000 | 20,567,000 | 20,582,000 |
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 | 1,918,000 | 3,766,000 | 5,584,000 | 7,329,000 |
| Interest expense | 324,000 | 647,000 | 963,000 | 1,269,000 |
| Net interest income | 1,594,000 | 3,119,000 | 4,621,000 | 6,060,000 |
| Noninterest income | 163,000 | 398,000 | 570,000 | 620,000 |
| Noninterest expense | 1,285,000 | 2,669,000 | 4,089,000 | 5,646,000 |
| Provision for loan losses | 652,000 | 802,000 | 877,000 | 952,000 |
| Pretax income | -180,000 | 46,000 | 225,000 | 82,000 |
| Income tax | -81,000 | -13,000 | 29,000 | -48,000 |
| Net income | -99,000 | 59,000 | 196,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,236,000 | 20,397,000 | 20,535,000 | 20,429,000 |
| Total capital | 21,982,000 | 22,094,000 | 22,148,000 | 21,962,000 |
| Risk-weighted assets | 136,968,000 | 133,087,000 | 126,205,000 | 119,732,000 |