Call reports 2023
MID-SOUTHERN SAVINGS BANK, F.S.B. — 2023
What MID-SOUTHERN SAVINGS BANK, F.S.B. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 266,049,000 | 265,980,000 | 265,317,000 | 268,615,000 |
| Total loans | 149,522,000 | 149,883,000 | 143,761,000 | 146,772,000 |
| Allowance for loan losses | 2,324,000 | 2,329,000 | 2,233,000 | 2,183,000 |
| Securities available for sale | 101,559,000 | 99,141,000 | 92,861,000 | 98,376,000 |
| Securities held to maturity | 13,000 | 12,000 | 12,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,969,000 | 204,278,000 | 206,171,000 | 204,548,000 |
| Interest-bearing deposits | 171,726,000 | 170,728,000 | 171,567,000 | 169,625,000 |
| Noninterest-bearing deposits | 35,243,000 | 33,550,000 | 34,604,000 | 34,923,000 |
| Equity capital | 33,076,000 | 32,086,000 | 28,988,000 | 33,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,513,000 | 5,145,000 | 7,863,000 | 10,705,000 |
| Interest expense | 639,000 | 1,335,000 | 2,138,000 | 2,992,000 |
| Net interest income | 1,874,000 | 3,810,000 | 5,725,000 | 7,713,000 |
| Noninterest income | 271,000 | 581,000 | 854,000 | 1,141,000 |
| Noninterest expense | 1,650,000 | 3,331,000 | 4,986,000 | 6,652,000 |
| Provision for loan losses | 78,000 | 64,000 | -31,000 | -55,000 |
| Pretax income | 416,000 | 996,000 | 1,647,000 | 2,295,000 |
| Income tax | -6,000 | 43,000 | 88,000 | 166,000 |
| Net income | 422,000 | 953,000 | 1,559,000 | 2,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,430,000 | 42,648,000 | 42,831,000 | 42,920,000 |