Call reports 2022
MID-SOUTHERN SAVINGS BANK, F.S.B. — 2022
What MID-SOUTHERN SAVINGS BANK, F.S.B. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 261,434,000 | 266,401,000 | 264,488,000 | 268,858,000 |
| Total loans | 128,828,000 | 139,714,000 | 144,126,000 | 146,071,000 |
| Allowance for loan losses | 1,522,000 | 1,571,000 | 1,653,000 | 1,692,000 |
| Securities available for sale | 117,411,000 | 110,941,000 | 103,684,000 | 105,351,000 |
| Securities held to maturity | 20,000 | 19,000 | 18,000 | 17,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,477,000 | 205,732,000 | 202,787,000 | 207,132,000 |
| Interest-bearing deposits | 177,355,000 | 176,355,000 | 172,648,000 | 176,030,000 |
| Noninterest-bearing deposits | 35,122,000 | 29,377,000 | 30,139,000 | 31,102,000 |
| Equity capital | 37,990,000 | 33,464,000 | 29,511,000 | 31,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,913,000 | 4,112,000 | 6,447,000 | 8,964,000 |
| Interest expense | 153,000 | 325,000 | 618,000 | 1,130,000 |
| Net interest income | 1,760,000 | 3,787,000 | 5,829,000 | 7,834,000 |
| Noninterest income | 285,000 | 640,000 | 927,000 | 1,120,000 |
| Noninterest expense | 1,451,000 | 3,115,000 | 4,700,000 | 6,250,000 |
| Provision for loan losses | 0 | 50,000 | 135,000 | 135,000 |
| Pretax income | 594,000 | 1,262,000 | 1,921,000 | 2,569,000 |
| Income tax | 56,000 | 108,000 | 167,000 | 233,000 |
| Net income | 538,000 | 1,154,000 | 1,754,000 | 2,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,782,000 | 42,379,000 | 42,468,000 | 42,620,000 |