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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 September 30, 2014
Federal Reserve System Identifier 170640




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$28,932$27,821$28,098
Loans Receivable, Net12,11911,67412,172
Mortgage-Backed Securities6,6506,6067,500
Investments3,8713,4241,288
Deposits25,46024,55324,632
Borrowings000
Equity3,4603,2263,421
Net Interest Income567731745
Fee Income567976
Overhead401555536
Net Operating Income241265257
Net Income241265257
Ratio Analysis Profitability%%%
Return on Assets *1.020.880.92
Operating Return on Assets *1.020.880.92
Return on Equity *9.158.217.71
Net Interest Margin *2.662.532.72
Fee Income / Assets *0.250.260.27
Overhead / Assets *1.841.831.91
Efficiency Ratio61.7965.4563.43
Asset Quality%%%
Nonperforming Assets / Assets0.400.150.41
Nonperforming Assets / Equity & Loss Reserves3.211.293.21
Loss Reserves / Nonperforming Loans106.09260.47115.79
1-4 Fam Mtg + MBS / Assets38.1839.0143.22
Commercial Real Estate Loans / Assets2.212.043.41
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.651.312.33
Consumer Loans / Assets12.2712.3912.32
Capitalization%%%
Equity / Assets11.9611.6012.18
Tangible Capital / Tangible Assets11.9611.6012.18
Risk-based Capital Ratio27.0027.2925.90
Liquidity%%%
Loans / Deposits47.6047.5549.42
Non-Interest Bearing Deposits / Deposits12.5815.7616.40
Purchased Liabilities0.820.820.78

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