Mid-Southern Savings Bank, FSB

Mid-Southern Savings Bank, FSB is headquartered in Salem and is the 64^th largest bank in the state of Indiana. It is also the 2,849^th largest bank in the nation. It was established in 1891 and as of March of 2012, it had grown to 40 employees at 3 locations. Mid-Southern Savings Bank, FSB has a 4-star health rating.

Data for Q1 2012

Institution Statistics Mid-Southern Savings Bank, FSB OTS # 04817 FDIC Certificate # 30133 BankRate Report View Year Established 1891 Employees 40 Primary Regulator OCC Assets and Liabilities Assets $224.24 million Loans $161.02 million Deposits $201.57 million Equity Capital $21.83 million Loan Loss Allowance $581,000 Unbacked Noncurrent Loans $3.38 million Real Estate Owned $740,000 Historic Data - March 2011 Assets $210.44 million Equity Capital $20.12 million Loan Loss Allowance $599,000 Unbacked Noncurrent Loans $3.05 million Real Estate Owned $2.29 million Profit Margin - Quarterly Net Interest Margin 3.38% Return on Assets 1.04% Return on Equity 10.63% Interest Income $2.32 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Mid-Southern Savings Bank, FSB had $4.12 million in non-current loans and owned real-estate with $22.41 million in equity and loan loss allowances on hand to cover it. This gives Mid-Southern Savings Bank, FSB a Texas Ratio of 18.36% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mid-Southern Savings Bank, FSB decreased slightly from 25.74% as of March 31, 2011 to 18.36% as of March 31, 2012, resulting in a positive change of 28.66%.This indicates that the balance sheet and financial strength for Mid-Southern Savings Bank, FSB has improved slightly in recent periods. Deposit Growth In the past year, Mid-Southern Savings Bank, FSB has increased its total deposits by $11.93 million, resulting in 6.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mid-Southern Savings Bank, FSB has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mid-Southern Savings Bank, FSB has $224.24 million in assets with $22.41 million in equity, resulting in a capitalization level of 10.00%, which is average.

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