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 December 31, 2014
Federal Reserve System Identifier 170640




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$29,284$27,821$28,098
Loans Receivable, Net12,41011,67412,172
Mortgage-Backed Securities5,8426,6067,500
Investments3,8783,4241,288
Deposits25,66524,55324,632
Borrowings000
Equity3,5763,2263,421
Net Interest Income752731745
Fee Income797976
Overhead548555536
Net Operating Income308265257
Net Income308265257
Ratio Analysis Profitability%%%
Return on Assets *1.020.880.92
Operating Return on Assets *1.020.880.92
Return on Equity *9.078.217.71
Net Interest Margin *2.622.532.72
Fee Income / Assets *0.260.260.27
Overhead / Assets *1.821.831.91
Efficiency Ratio63.2165.4563.43
Asset Quality%%%
Nonperforming Assets / Assets0.500.150.41
Nonperforming Assets / Equity & Loss Reserves3.951.293.21
Loss Reserves / Nonperforming Loans82.19260.47115.79
1-4 Fam Mtg + MBS / Assets35.7839.0143.22
Commercial Real Estate Loans / Assets2.252.043.41
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.511.312.33
Consumer Loans / Assets11.8512.3912.32
Capitalization%%%
Equity / Assets12.2111.6012.18
Tangible Capital / Tangible Assets12.2111.6012.18
Risk-based Capital Ratio27.7127.2925.90
Liquidity%%%
Loans / Deposits48.3547.5549.42
Non-Interest Bearing Deposits / Deposits14.4015.7616.40
Purchased Liabilities0.820.820.78

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