Call reports 2005
MASON CITY NATIONAL BANK — 2005
What MASON CITY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 60,450,000 | 58,898,000 | 58,374,000 | 58,421,000 |
| Total loans | 27,126,000 | 27,520,000 | 29,318,000 | 29,321,000 |
| Allowance for loan losses | 85,000 | 86,000 | 92,000 | 90,000 |
| Securities available for sale | 22,203,000 | 22,939,000 | 21,118,000 | 19,472,000 |
| Securities held to maturity | 5,662,000 | 5,656,000 | 5,651,000 | 5,331,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,500,000 | 49,585,000 | 49,055,000 | 49,436,000 |
| Interest-bearing deposits | 45,405,000 | 43,741,000 | 43,019,000 | 42,074,000 |
| Noninterest-bearing deposits | 6,095,000 | 5,844,000 | 6,036,000 | 7,362,000 |
| Equity capital | 8,758,000 | 9,082,000 | 9,102,000 | 8,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 714,000 | 1,427,000 | 2,142,000 | 2,866,000 |
| Interest expense | 238,000 | 478,000 | 730,000 | 1,000,000 |
| Net interest income | 476,000 | 949,000 | 1,412,000 | 1,866,000 |
| Noninterest income | 28,000 | 58,000 | 106,000 | 147,000 |
| Noninterest expense | 285,000 | 573,000 | 872,000 | 1,203,000 |
| Provision for loan losses | 22,000 | 22,000 | 22,000 | 32,000 |
| Pretax income | 197,000 | 412,000 | 624,000 | 757,000 |
| Income tax | 64,000 | 128,000 | 191,000 | 185,000 |
| Net income | 133,000 | 284,000 | 433,000 | 572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,998,000 | 9,149,000 | 9,298,000 | 9,086,000 |
| Total capital | 9,083,000 | 9,235,000 | 9,390,000 | 9,176,000 |
| Risk-weighted assets | 28,693,000 | 28,592,000 | 29,866,000 | 29,647,000 |
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