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, 2013
Federal Reserve System Identifier 170640




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$27,821$28,098$24,944
Loans Receivable, Net11,67412,17213,164
Mortgage-Backed Securities6,6067,5009,054
Investments3,4241,288140
Deposits24,55324,63221,568
Borrowings000
Equity3,2263,4213,322
Net Interest Income731745751
Fee Income797688
Overhead555536544
Net Operating Income265257279
Net Income265257279
Ratio Analysis Profitability%%%
Return on Assets *0.880.921.05
Operating Return on Assets *0.880.921.05
Return on Equity *8.217.718.69
Net Interest Margin *2.532.722.99
Fee Income / Assets *0.260.270.33
Overhead / Assets *1.831.912.06
Efficiency Ratio65.4563.4362.46
Asset Quality%%%
Nonperforming Assets / Assets0.150.410.43
Nonperforming Assets / Equity & Loss Reserves1.293.213.08
Loss Reserves / Nonperforming Loans260.47115.790.88
1-4 Fam Mtg + MBS / Assets39.0143.2253.96
Commercial Real Estate Loans / Assets2.043.412.51
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.312.334.67
Consumer Loans / Assets12.3912.3214.98
Capitalization%%%
Equity / Assets11.6012.1813.32
Tangible Capital / Tangible Assets11.6012.1813.32
Risk-based Capital Ratio27.2925.9024.55
Liquidity%%%
Loans / Deposits47.5549.4261.03
Non-Interest Bearing Deposits / Deposits15.7616.4012.44
Purchased Liabilities0.820.7813.21

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