Call reports 2024
MID-SOUTHERN SAVINGS BANK, F.S.B. — 2024
What MID-SOUTHERN SAVINGS BANK, F.S.B. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 240,378,000 | 237,112,000 | 230,767,000 | 225,135,000 |
| Total loans | 143,998,000 | 139,526,000 | 137,144,000 | 134,972,000 |
| Allowance for loan losses | 2,122,000 | 2,038,000 | 2,013,000 | 1,927,000 |
| Securities available for sale | 76,791,000 | 74,194,000 | 74,611,000 | 7,457,000 |
| Securities held to maturity | 10,000 | 9,000 | 9,000 | 9,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,244,000 | 199,692,000 | 191,609,000 | 190,019,000 |
| Interest-bearing deposits | 155,332,000 | 154,515,000 | 146,539,000 | 108,323,000 |
| Noninterest-bearing deposits | 47,912,000 | 45,177,000 | 45,070,000 | 81,696,000 |
| Equity capital | 32,666,000 | 32,812,000 | 34,592,000 | 34,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,813,000 | 5,429,000 | 8,032,000 | 10,635,000 |
| Interest expense | 884,000 | 1,543,000 | 2,183,000 | 2,768,000 |
| Net interest income | 1,929,000 | 3,886,000 | 5,849,000 | 7,867,000 |
| Noninterest income | 263,000 | 529,000 | 814,000 | 1,076,000 |
| Noninterest expense | 1,619,000 | 3,250,000 | 4,872,000 | 6,405,000 |
| Provision for loan losses | -63,000 | -146,000 | -169,000 | -254,000 |
| Pretax income | 463,000 | 1,121,000 | 1,773,000 | -8,501,000 |
| Income tax | 38,000 | 131,000 | 219,000 | -2,320,000 |
| Net income | 425,000 | 990,000 | 1,554,000 | -6,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,738,000 | 42,957,000 | 43,037,000 | 34,855,000 |