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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 December 31, 2012
Federal Reserve System Identifier 170640




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$28,098$24,944$25,235
Loans Receivable, Net12,17213,16413,188
Mortgage-Backed Securities7,5009,0547,248
Investments1,288140228
Deposits24,63221,56822,109
Borrowings000
Equity3,4213,3223,072
Net Interest Income745751720
Fee Income768890
Overhead536544533
Net Operating Income257279143
Net Income257279143
Ratio Analysis Profitability%%%
Return on Assets *0.921.050.55
Operating Return on Assets *0.921.050.55
Return on Equity *7.718.694.65
Net Interest Margin *2.722.992.98
Fee Income / Assets *0.270.330.35
Overhead / Assets *1.912.062.08
Efficiency Ratio63.4362.4663.76
Asset Quality%%%
Nonperforming Assets / Assets0.410.430.49
Nonperforming Assets / Equity & Loss Reserves3.213.083.90
Loss Reserves / Nonperforming Loans115.790.880.63
1-4 Fam Mtg + MBS / Assets43.2253.9645.94
Commercial Real Estate Loans / Assets3.412.512.13
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.334.672.77
Consumer Loans / Assets12.3214.9814.17
Capitalization%%%
Equity / Assets12.1813.3212.17
Tangible Capital / Tangible Assets12.1813.3212.17
Risk-based Capital Ratio25.9024.5522.56
Liquidity%%%
Loans / Deposits49.4261.0359.65
Non-Interest Bearing Deposits / Deposits16.4012.4412.07
Purchased Liabilities0.7813.2114.53

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
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