Call reports 2021
MID-SOUTHERN SAVINGS BANK, F.S.B. — 2021
What MID-SOUTHERN SAVINGS BANK, F.S.B. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 244,760,000 | 249,126,000 | 252,244,000 | 254,263,000 |
| Total loans | 113,570,000 | 112,515,000 | 119,815,000 | 124,092,000 |
| Allowance for loan losses | 1,590,000 | 1,612,000 | 1,651,000 | 1,523,000 |
| Securities available for sale | 101,087,000 | 111,725,000 | 108,230,000 | 107,293,000 |
| Securities held to maturity | 28,000 | 25,000 | 23,000 | 21,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,594,000 | 195,400,000 | 198,781,000 | 199,951,000 |
| Interest-bearing deposits | 157,279,000 | 163,400,000 | 167,771,000 | 168,228,000 |
| Noninterest-bearing deposits | 35,315,000 | 32,000,000 | 31,010,000 | 31,723,000 |
| Equity capital | 41,362,000 | 42,749,000 | 42,624,000 | 43,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,913,000 | 3,850,000 | 5,807,000 | 7,799,000 |
| Interest expense | 172,000 | 339,000 | 503,000 | 659,000 |
| Net interest income | 1,741,000 | 3,511,000 | 5,304,000 | 7,140,000 |
| Noninterest income | 273,000 | 598,000 | 899,000 | 1,218,000 |
| Noninterest expense | 1,497,000 | 3,091,000 | 4,576,000 | 6,227,000 |
| Provision for loan losses | 0 | 0 | 0 | -120,000 |
| Pretax income | 517,000 | 1,018,000 | 1,627,000 | 2,251,000 |
| Income tax | 46,000 | 76,000 | 137,000 | 205,000 |
| Net income | 471,000 | 942,000 | 1,490,000 | 2,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,654,000 | 40,116,000 | 40,662,000 | 41,264,000 |