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

6,055

6,131

6,129

6,122

5,999

5,801

5,616

5,454

5,375

5,367

0

0

0

Investment securities:
Mortgage-backed securities

527

555

576

527

491

448

402

435

450

486

0

0

0

Municipal tax exempt

772

719

666

598

536

473

388

327

271

214

0

0

0

Other debt securities

275

275

275

276

276

278

284

292

301

307

0

0

0

Federal Home Loan Bank dividends

36

42

44

42

40

40

0

0

0

-

0

0

-

Federal Home Loan Bank dividends

-

-

-

-

-

-

-

-

-

-

-

-

0

Interest-bearing deposits with banks and time deposits

283

278

250

246

262

236

212

121

80

71

0

0

0

Total interest income

7,948

8,000

7,940

7,811

7,604

7,276

6,940

6,666

6,515

6,478

0

0

0

INTEREST EXPENSE
Deposits

868

835

799

764

735

714

692

667

658

655

0

0

0

Borrowings

0

-

0

-

-

15

0

0

0

-

-

-

-

Total interest expense

1,002

925

845

764

741

729

707

682

667

655

0

0

0

Net interest income

6,946

7,075

7,095

7,047

6,863

6,547

6,233

5,984

5,848

5,823

0

0

0

Provision for loan losses

0

-

0

0

-

-

-

-400

-400

-700

0

0

0

Net interest income after provision for loan losses

6,877

7,063

7,289

7,247

7,063

6,747

6,633

6,384

6,248

6,523

0

0

0

NONINTEREST INCOME
Fees and commission

0

-

-

-

0

-

-

-

-

-

-

-

-

Net gain on sales of securities available for sale

-

-

-

0

-

-

-

-

-

-

-

-

-

Net gain on sales of securities available for sale

-

-

-

-

-

-

-

-

-

-

0

-

-

Deposit account service charges

-

-

-

-

-

-

-

-

-

-

-

-

0

Increase in cash value of life insurance

71

72

72

73

73

73

73

73

73

74

0

0

0

ATM and debit card fee income

-

-

-

-

-

-

-

-

-

-

-

-

0

Other income

38

33

38

38

40

42

42

43

42

42

0

0

0

Total noninterest income

782

803

847

842

824

840

871

875

878

884

0

0

0

NONINTEREST EXPENSE
Compensation and benefits

3,232

3,228

3,153

3,181

3,121

3,043

3,038

2,903

2,770

2,717

0

0

0

Occupancy and equipment

459

456

410

405

419

437

465

484

501

510

0

0

0

Data processing

996

1,182

1,321

1,126

1,023

907

779

744

722

711

0

0

0

Professional fees

664

676

591

580

520

478

454

405

373

356

0

0

0

Net loss on foreclosed real estate

-

-

-

-

-

-17

-5

-24

0

-30

0

0

0

Impairment loss on real estate held for sale

-

-

0

-

-

-

0

-

-

-

-

-

-

Impairment loss on real estate held for sale

-

-

-

-

-

-

-

-

-

-

-

0

-

Directors' compensation

325

295

175

175

171

172

162

160

156

151

0

0

0

Stockholder meeting expense

0

-

0

-

0

-

0

-

-

-

-

-

-

Debit and credit card expense

-

-

-

-

-

-

-

-

-

-

0

0

-

Supervisory examinations

71

71

65

75

77

76

0

0

0

-

0

-

-

Loan expenses

-

-

-

-

-

-

-

-

-

-

-

-

0

Deposit insurance premiums

-

33

47

53

53

54

56

52

51

52

0

0

0

Other expenses

623

661

713

696

668

646

557

504

505

510

0

0

0

Total noninterest expense

6,607

6,821

6,669

6,370

6,147

5,879

5,714

5,456

5,291

5,252

0

0

0

Income before income taxes

1,052

1,045

1,467

1,719

1,740

1,708

1,790

1,803

1,835

2,155

0

0

0

Income tax expense

69

85

183

264

286

295

700

748

808

982

0

0

0

Net Income

983

960

1,284

1,455

1,454

1,413

1,090

1,055

1,027

1,173

0

0

0

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

284

311

351

356

352

371

0

0

0

-

-

-

-

ATM and debit card fee income
Fees and commission

382

380

379

368

359

354

0

0

0

-

-

-

-