SAFE & SOUND® STAR RATINGS

Financial statement

1ST STATE BANK OF MASON CITY
123 WEST ELM STREET
MASON CITY, Illinois 62664

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 170640




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$29,706$27,821$28,098
Loans Receivable, Net11,84411,67412,172
Mortgage-Backed Securities7,0756,6067,500
Investments3,8763,4241,288
Deposits26,33724,55324,632
Borrowings000
Equity3,3493,2263,421
Net Interest Income375731745
Fee Income357976
Overhead275555536
Net Operating Income153265257
Net Income153265257
Ratio Analysis Profitability%%%
Return on Assets *0.940.880.92
Operating Return on Assets *0.940.880.92
Return on Equity *8.648.217.71
Net Interest Margin *2.652.532.72
Fee Income / Assets *0.250.260.27
Overhead / Assets *1.851.831.91
Efficiency Ratio64.2565.4563.43
Asset Quality%%%
Nonperforming Assets / Assets0.330.150.41
Nonperforming Assets / Equity & Loss Reserves2.831.293.21
Loss Reserves / Nonperforming Loans114.29260.47115.79
1-4 Fam Mtg + MBS / Assets39.1839.0143.22
Commercial Real Estate Loans / Assets1.672.043.41
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.291.312.33
Consumer Loans / Assets11.9012.3912.32
Capitalization%%%
Equity / Assets11.2711.6012.18
Tangible Capital / Tangible Assets11.2711.6012.18
Risk-based Capital Ratio26.5227.2925.90
Liquidity%%%
Loans / Deposits44.9747.5549.42
Non-Interest Bearing Deposits / Deposits14.6315.7616.40
Purchased Liabilities0.780.820.78

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