Call reports 2019
MID-SOUTHERN SAVINGS BANK, F.S.B. — 2019
What MID-SOUTHERN SAVINGS BANK, F.S.B. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 198,365,000 | 207,512,000 | 208,970,000 | 208,372,000 |
| Total loans | 130,969,000 | 128,103,000 | 125,695,000 | 124,770,000 |
| Allowance for loan losses | 1,514,000 | 1,488,000 | 1,488,000 | 1,498,000 |
| Securities available for sale | 50,971,000 | 51,071,000 | 57,433,000 | 58,418,000 |
| Securities held to maturity | 71,000 | 67,000 | 44,000 | 41,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,218,000 | 158,873,000 | 159,779,000 | 158,925,000 |
| Interest-bearing deposits | 141,151,000 | 139,883,000 | 140,668,000 | 139,194,000 |
| Noninterest-bearing deposits | 20,067,000 | 18,990,000 | 19,111,000 | 19,731,000 |
| Equity capital | 36,787,000 | 38,085,000 | 38,607,000 | 38,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,019,000 | 4,020,000 | 6,093,000 | 8,153,000 |
| Interest expense | 225,000 | 485,000 | 807,000 | 1,129,000 |
| Net interest income | 1,794,000 | 3,535,000 | 5,286,000 | 7,024,000 |
| Noninterest income | 193,000 | 409,000 | 623,000 | 795,000 |
| Noninterest expense | 1,505,000 | 3,083,000 | 4,876,000 | 6,509,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 12,000 |
| Pretax income | 482,000 | 868,000 | 1,034,000 | 1,305,000 |
| Income tax | 75,000 | 127,000 | 124,000 | 143,000 |
| Net income | 407,000 | 741,000 | 910,000 | 1,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,512,000 | 36,878,000 | 37,080,000 | 37,562,000 |
| Total capital | 37,976,000 | 38,318,000 | 38,520,000 | 39,021,000 |
| Risk-weighted assets | 117,104,000 | 115,169,000 | 115,198,000 | 116,691,000 |