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, 2016
Federal Reserve System Identifier 170640




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$29,566$29,675$29,284
Loans Receivable, Net11,70012,00912,410
Mortgage-Backed Securities8,1717,5465,842
Investments3,3163,3403,878
Deposits25,91425,99725,665
Borrowings000
Equity3,6193,6263,576
Net Interest Income199733752
Fee Income217979
Overhead137538548
Net Operating Income92272308
Net Income92272308
Ratio Analysis Profitability%%%
Return on Assets *1.040.881.02
Operating Return on Assets *1.040.881.02
Return on Equity *8.867.649.07
Net Interest Margin *2.562.482.62
Fee Income / Assets *0.270.260.26
Overhead / Assets *1.781.751.82
Efficiency Ratio59.8363.2963.21
Asset Quality%%%
Nonperforming Assets / Assets0.580.580.50
Nonperforming Assets / Equity & Loss Reserves4.534.573.95
Loss Reserves / Nonperforming Loans89.4791.3382.19
1-4 Fam Mtg + MBS / Assets43.7641.3435.78
Commercial Real Estate Loans / Assets3.243.122.25
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.381.331.51
Consumer Loans / Assets10.5510.6811.85
Capitalization%%%
Equity / Assets12.2412.2212.21
Tangible Capital / Tangible Assets12.2412.2212.21
Risk-based Capital Ratio26.7527.5427.71
Liquidity%%%
Loans / Deposits45.1546.1948.35
Non-Interest Bearing Deposits / Deposits18.5317.9114.40
Purchased Liabilities0.800.800.82

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

Connect with us