Call reports 2020
MID-SOUTHERN SAVINGS BANK, F.S.B. — 2020
What MID-SOUTHERN SAVINGS BANK, F.S.B. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 208,250,000 | 217,460,000 | 218,098,000 | 235,230,000 |
| Total loans | 123,782,000 | 121,037,000 | 116,853,000 | 114,848,000 |
| Allowance for loan losses | 1,541,000 | 1,556,000 | 1,582,000 | 1,589,000 |
| Securities available for sale | 56,047,000 | 67,548,000 | 79,712,000 | 104,456,000 |
| Securities held to maturity | 38,000 | 36,000 | 32,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,879,000 | 165,382,000 | 165,782,000 | 180,618,000 |
| Interest-bearing deposits | 139,391,000 | 143,861,000 | 143,266,000 | 148,194,000 |
| Noninterest-bearing deposits | 20,488,000 | 21,521,000 | 22,516,000 | 32,424,000 |
| Equity capital | 37,753,000 | 40,922,000 | 41,247,000 | 42,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,970,000 | 3,824,000 | 5,674,000 | 7,593,000 |
| Interest expense | 317,000 | 620,000 | 893,000 | 1,092,000 |
| Net interest income | 1,653,000 | 3,204,000 | 4,781,000 | 6,501,000 |
| Noninterest income | 171,000 | 351,000 | 552,000 | 747,000 |
| Noninterest expense | 1,322,000 | 2,684,000 | 4,099,000 | 5,588,000 |
| Provision for loan losses | 57,000 | 72,000 | 102,000 | 132,000 |
| Pretax income | 445,000 | 903,000 | 1,236,000 | 1,632,000 |
| Income tax | 54,000 | 107,000 | 116,000 | 134,000 |
| Net income | 391,000 | 796,000 | 1,120,000 | 1,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,959,000 | 38,368,000 | 38,702,000 | 39,174,000 |