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 September 30, 2015
Federal Reserve System Identifier 170640




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$30,743$29,284$27,821
Loans Receivable, Net11,50112,41011,674
Mortgage-Backed Securities7,3475,8426,606
Investments3,3993,8783,424
Deposits27,08325,66524,553
Borrowings000
Equity3,6333,5763,226
Net Interest Income543752731
Fee Income607979
Overhead383548555
Net Operating Income216308265
Net Income216308265
Ratio Analysis Profitability%%%
Return on Assets *0.921.020.88
Operating Return on Assets *0.921.020.88
Return on Equity *7.989.078.21
Net Interest Margin *2.472.622.53
Fee Income / Assets *0.270.260.26
Overhead / Assets *1.731.821.83
Efficiency Ratio60.8963.2165.45
Asset Quality%%%
Nonperforming Assets / Assets0.510.500.15
Nonperforming Assets / Equity & Loss Reserves4.133.951.29
Loss Reserves / Nonperforming Loans92.3182.19260.47
1-4 Fam Mtg + MBS / Assets39.0335.7839.01
Commercial Real Estate Loans / Assets2.112.252.04
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.471.511.31
Consumer Loans / Assets10.3611.8512.39
Capitalization%%%
Equity / Assets11.8212.2111.60
Tangible Capital / Tangible Assets11.8212.2111.60
Risk-based Capital Ratio27.2627.7127.29
Liquidity%%%
Loans / Deposits42.4748.3547.55
Non-Interest Bearing Deposits / Deposits19.8414.4015.76
Purchased Liabilities0.780.820.82

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

Connect with us