Call reports 2017
MID-SOUTHERN SAVINGS BANK, F.S.B. — 2017
What MID-SOUTHERN SAVINGS BANK, F.S.B. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 180,800,000 | 177,353,000 | 175,913,000 | 176,733,000 |
| Total loans | 118,403,000 | 117,376,000 | 117,220,000 | 116,625,000 |
| Allowance for loan losses | 2,156,000 | 2,154,000 | 2,156,000 | 1,723,000 |
| Securities available for sale | 42,198,000 | 42,045,000 | 40,408,000 | 45,716,000 |
| Securities held to maturity | 535,000 | 502,000 | 191,000 | 162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,944,000 | 153,005,000 | 151,357,000 | 151,962,000 |
| Interest-bearing deposits | 140,241,000 | 137,982,000 | 135,139,000 | 134,832,000 |
| Noninterest-bearing deposits | 16,703,000 | 15,023,000 | 16,218,000 | 17,130,000 |
| Equity capital | 23,428,000 | 23,868,000 | 24,028,000 | 24,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,666,000 | 3,315,000 | 4,988,000 | 6,645,000 |
| Interest expense | 164,000 | 331,000 | 501,000 | 668,000 |
| Net interest income | 1,502,000 | 2,984,000 | 4,487,000 | 5,977,000 |
| Noninterest income | 214,000 | 441,000 | 632,000 | 845,000 |
| Noninterest expense | 1,297,000 | 2,617,000 | 3,969,000 | 5,406,000 |
| Provision for loan losses | -300,000 | -300,000 | -300,000 | -700,000 |
| Pretax income | 719,000 | 1,108,000 | 1,454,000 | 2,154,000 |
| Income tax | 251,000 | 373,000 | 478,000 | 981,000 |
| Net income | 468,000 | 735,000 | 976,000 | 1,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,553,000 | 23,746,000 | 23,995,000 | 24,201,000 |
| Total capital | 24,942,000 | 25,111,000 | 25,359,000 | 25,572,000 |
| Risk-weighted assets | 110,366,000 | 108,413,000 | 108,389,000 | 109,372,000 |