Mid-southern bancorp, inc. (MSVB)
Income statement / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17
INTEREST INCOME
Loans, including fees

1,466

1,519

1,529

1,541

1,542

1,517

1,522

1,418

1,344

1,332

1,360

1,339

1,336

Investment securities:
Mortgage-backed securities

121

137

130

139

149

158

81

103

106

112

114

118

142

Municipal tax exempt

218

216

174

164

165

163

106

102

102

78

45

46

45

Other debt securities

69

69

68

69

69

69

69

69

71

75

77

78

77

Federal Home Loan Bank dividends

7

8

11

10

13

10

9

8

13

-

8

9

-

Federal Home Loan Bank dividends

-

-

-

-

-

-

-

-

-

-

-

-

8

Interest-bearing deposits with banks and time deposits

52

73

115

43

47

45

111

59

21

21

20

18

12

Total interest income

1,933

2,022

2,027

1,966

1,985

1,962

1,898

1,759

1,657

1,626

1,624

1,608

1,620

INTEREST EXPENSE
Deposits

219

223

221

205

186

187

186

176

165

165

161

167

162

Borrowings

44

-

46

-

-

0

0

6

9

-

-

-

-

Total interest expense

263

267

267

205

186

187

186

182

174

165

161

167

162

Net interest income

1,670

1,755

1,760

1,761

1,799

1,775

1,712

1,577

1,483

1,461

1,463

1,441

1,458

Provision for loan losses

57

-

6

0

-

-

-

0

0

-400

0

0

-300

Net interest income after provision for loan losses

1,613

1,749

1,754

1,761

1,799

1,975

1,712

1,577

1,483

1,861

1,463

1,441

1,758

NONINTEREST INCOME
Fees and commission

154

-

-

-

174

-

-

-

-

-

-

-

-

Net gain on sales of securities available for sale

-

-

-

7

-

-

-

-

-

-

-

-

-

Net gain on sales of securities available for sale

-

-

-

-

-

-

-

-

-

-

4

-

-

Deposit account service charges

-

-

-

-

-

-

-

-

-

-

-

-

104

Increase in cash value of life insurance

17

18

18

18

18

18

19

18

18

18

19

18

19

ATM and debit card fee income

-

-

-

-

-

-

-

-

-

-

-

-

80

Other income

15

5

9

9

10

10

9

11

12

10

10

10

12

Total noninterest income

172

172

215

223

193

216

210

205

209

247

214

208

215

NONINTEREST EXPENSE
Compensation and benefits

762

866

788

816

758

791

816

756

680

786

681

623

627

Occupancy and equipment

104

148

109

98

101

102

104

112

119

130

123

129

128

Data processing

110

171

414

301

296

310

219

198

180

182

184

176

169

Professional fees

137

189

166

172

149

104

155

112

107

80

106

80

90

Net loss on foreclosed real estate

-

-

-

-

-

-16

-1

-16

16

-4

-20

8

-14

Impairment loss on real estate held for sale

-

-

104

-

-

-

32

-

-

-

-

-

-

Impairment loss on real estate held for sale

-

-

-

-

-

-

-

-

-

-

-

33

-

Directors' compensation

74

162

41

48

44

42

41

44

45

32

39

40

40

Stockholder meeting expense

11

-

45

-

13

-

1

-

-

-

-

-

-

Debit and credit card expense

-

-

-

-

-

-

-

-

-

-

22

18

-

Supervisory examinations

19

19

17

16

19

13

27

18

18

-

20

-

-

Loan expenses

-

-

-

-

-

-

-

-

-

-

-

-

20

Deposit insurance premiums

-

0

8

12

13

14

14

12

14

16

10

11

15

Other expenses

131

112

196

184

169

164

179

156

147

75

126

157

152

Total noninterest expense

1,348

1,724

1,888

1,647

1,562

1,572

1,589

1,424

1,294

1,407

1,331

1,259

1,255

Income before income taxes

437

197

81

337

430

619

333

358

398

701

346

390

718

Income tax expense

52

1

-24

40

68

99

57

62

77

504

105

122

251

Net Income

385

196

105

297

362

520

276

296

321

197

241

268

467

Earnings per common share:
Basic

0.12

0.06

0.03

0.09

0.11

0.15

0.08

0.09

0.09

-0.23

0.07

0.18

0.32

Diluted

0.12

0.06

0.03

0.09

0.11

0.15

0.08

0.09

0.09

-0.23

0.07

0.18

0.32

Deposit account service charges
Fees and commission

49

58

86

91

76

98

91

87

95

-

-

-

-

ATM and debit card fee income
Fees and commission

91

91

102

98

89

90

91

89

84

-

-

-

-