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 December 31, 2015
Federal Reserve System Identifier 170640




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$29,675$29,284$27,821
Loans Receivable, Net12,00912,41011,674
Mortgage-Backed Securities7,5465,8426,606
Investments3,3403,8783,424
Deposits25,99725,66524,553
Borrowings000
Equity3,6263,5763,226
Net Interest Income733752731
Fee Income797979
Overhead538548555
Net Operating Income272308265
Net Income272308265
Ratio Analysis Profitability%%%
Return on Assets *0.881.020.88
Operating Return on Assets *0.881.020.88
Return on Equity *7.649.078.21
Net Interest Margin *2.482.622.53
Fee Income / Assets *0.260.260.26
Overhead / Assets *1.751.821.83
Efficiency Ratio63.2963.2165.45
Asset Quality%%%
Nonperforming Assets / Assets0.580.500.15
Nonperforming Assets / Equity & Loss Reserves4.573.951.29
Loss Reserves / Nonperforming Loans91.3382.19260.47
1-4 Fam Mtg + MBS / Assets41.3435.7839.01
Commercial Real Estate Loans / Assets3.122.252.04
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.331.511.31
Consumer Loans / Assets10.6811.8512.39
Capitalization%%%
Equity / Assets12.2212.2111.60
Tangible Capital / Tangible Assets12.2212.2111.60
Risk-based Capital Ratio27.5427.7127.29
Liquidity%%%
Loans / Deposits46.1948.3547.55
Non-Interest Bearing Deposits / Deposits17.9114.4015.76
Purchased Liabilities0.800.820.82

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