Safe & Sound » Bank Ratings » 1ST STATE BANK OF MASON CITY


SAFE & SOUND® STAR RATINGS

1ST STATE BANK OF MASON CITY

123 WEST ELM STREET
MASON CITY, Illinois 62664

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 170640




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$30,454$29,284$27,821
Loans Receivable, Net11,82012,41011,674
Mortgage-Backed Securities5,8795,8426,606
Investments3,2933,8783,424
Deposits26,93025,66524,553
Borrowings000
Equity3,4953,5763,226
Net Interest Income182752731
Fee Income177979
Overhead132548555
Net Operating Income46308265
Net Income46308265
Ratio Analysis Profitability%%%
Return on Assets *0.941.020.88
Operating Return on Assets *0.941.020.88
Return on Equity *8.109.078.21
Net Interest Margin *2.612.622.53
Fee Income / Assets *0.270.260.26
Overhead / Assets *1.811.821.83
Efficiency Ratio63.4663.2165.45
Asset Quality%%%
Nonperforming Assets / Assets0.470.500.15
Nonperforming Assets / Equity & Loss Reserves3.903.951.29
Loss Reserves / Nonperforming Loans104.2382.19260.47
1-4 Fam Mtg + MBS / Assets34.9835.7839.01
Commercial Real Estate Loans / Assets2.142.252.04
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.491.511.31
Consumer Loans / Assets10.3911.8512.39
Capitalization%%%
Equity / Assets11.4812.2111.60
Tangible Capital / Tangible Assets11.4812.2111.60
Risk-based Capital Ratio27.5827.7127.29
Liquidity%%%
Loans / Deposits43.8948.3547.55
Non-Interest Bearing Deposits / Deposits16.2314.4015.76
Purchased Liabilities0.790.820.82

* Calculations are based on the latest four quarters of income and expense.
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