Call reports 2016
MID-SOUTHERN SAVINGS BANK, F.S.B. — 2016
What MID-SOUTHERN SAVINGS BANK, F.S.B. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 179,966,000 | 179,721,000 | 181,210,000 | 177,603,000 |
| Total loans | 114,453,000 | 114,703,000 | 114,811,000 | 116,735,000 |
| Allowance for loan losses | 3,171,000 | 2,640,000 | 2,633,000 | 2,503,000 |
| Securities available for sale | 43,578,000 | 47,150,000 | 45,989,000 | 44,139,000 |
| Securities held to maturity | 721,000 | 686,000 | 643,000 | 578,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,621,000 | 155,558,000 | 157,035,000 | 154,076,000 |
| Interest-bearing deposits | 142,820,000 | 142,354,000 | 141,945,000 | 138,195,000 |
| Noninterest-bearing deposits | 13,801,000 | 13,204,000 | 15,090,000 | 15,881,000 |
| Equity capital | 22,642,000 | 23,596,000 | 23,570,000 | 22,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,639,000 | 3,275,000 | 4,894,000 | 6,545,000 |
| Interest expense | 197,000 | 377,000 | 553,000 | 721,000 |
| Net interest income | 1,442,000 | 2,898,000 | 4,341,000 | 5,824,000 |
| Noninterest income | 215,000 | 294,000 | 503,000 | 726,000 |
| Noninterest expense | 1,090,000 | 2,379,000 | 3,843,000 | 5,355,000 |
| Provision for loan losses | 0 | -450,000 | -450,000 | -450,000 |
| Pretax income | 567,000 | 1,263,000 | 1,451,000 | 1,645,000 |
| Income tax | 196,000 | 425,000 | 465,000 | 507,000 |
| Net income | 371,000 | 838,000 | 986,000 | 1,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,301,000 | 22,792,000 | 22,941,000 | 23,069,000 |
| Total capital | 23,629,000 | 24,151,000 | 24,319,000 | 24,458,000 |
| Risk-weighted assets | 104,445,000 | 107,471,000 | 109,030,000 | 110,024,000 |