Call reports 2015
MID-SOUTHERN SAVINGS BANK, F.S.B. — 2015
What MID-SOUTHERN SAVINGS BANK, F.S.B. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 193,831,000 | 188,262,000 | 183,759,000 | 182,949,000 |
| Total loans | 129,470,000 | 125,539,000 | 120,296,000 | 116,280,000 |
| Allowance for loan losses | 4,489,000 | 4,293,000 | 4,218,000 | 3,130,000 |
| Securities available for sale | 25,579,000 | 27,450,000 | 34,490,000 | 40,720,000 |
| Securities held to maturity | 891,000 | 845,000 | 812,000 | 764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,223,000 | 166,669,000 | 161,632,000 | 160,377,000 |
| Interest-bearing deposits | 157,400,000 | 153,769,000 | 148,871,000 | 145,716,000 |
| Noninterest-bearing deposits | 14,823,000 | 12,900,000 | 12,761,000 | 14,661,000 |
| Equity capital | 20,891,000 | 20,952,000 | 21,287,000 | 21,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,702,000 | 3,359,000 | 5,043,000 | 6,694,000 |
| Interest expense | 286,000 | 555,000 | 796,000 | 1,007,000 |
| Net interest income | 1,416,000 | 2,804,000 | 4,247,000 | 5,687,000 |
| Noninterest income | 375,000 | 643,000 | 834,000 | 1,054,000 |
| Noninterest expense | 1,486,000 | 2,853,000 | 4,210,000 | 5,551,000 |
| Provision for loan losses | 15,000 | 18,000 | 21,000 | -979,000 |
| Pretax income | 290,000 | 576,000 | 850,000 | 2,169,000 |
| Income tax | 78,000 | 126,000 | 199,000 | 677,000 |
| Net income | 212,000 | 450,000 | 651,000 | 1,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,627,000 | 20,853,000 | 21,055,000 | 21,898,000 |
| Total capital | 22,126,000 | 22,293,000 | 22,462,000 | 23,298,000 |
| Risk-weighted assets | 116,944,000 | 112,332,000 | 109,732,000 | 110,232,000 |