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 March 31, 2014
Federal Reserve System Identifier 170640




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$30,596$27,821$28,098
Loans Receivable, Net11,82311,67412,172
Mortgage-Backed Securities6,7166,6067,500
Investments3,8713,4241,288
Deposits27,36724,55324,632
Borrowings000
Equity3,1993,2263,421
Net Interest Income184731745
Fee Income157976
Overhead135555536
Net Operating Income73265257
Net Income73265257
Ratio Analysis Profitability%%%
Return on Assets *0.890.880.92
Operating Return on Assets *0.890.880.92
Return on Equity *8.408.217.71
Net Interest Margin *2.592.532.72
Fee Income / Assets *0.250.260.27
Overhead / Assets *1.841.831.91
Efficiency Ratio64.9065.4563.43
Asset Quality%%%
Nonperforming Assets / Assets0.370.150.41
Nonperforming Assets / Equity & Loss Reserves3.451.293.21
Loss Reserves / Nonperforming Loans95.61260.47115.79
1-4 Fam Mtg + MBS / Assets36.4039.0143.22
Commercial Real Estate Loans / Assets1.692.043.41
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.961.312.33
Consumer Loans / Assets11.5612.3912.32
Capitalization%%%
Equity / Assets10.4611.6012.18
Tangible Capital / Tangible Assets10.4611.6012.18
Risk-based Capital Ratio25.5027.2925.90
Liquidity%%%
Loans / Deposits43.2047.5549.42
Non-Interest Bearing Deposits / Deposits15.7715.7616.40
Purchased Liabilities0.750.820.78

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