Call reports 2003
1ST STATE BANK OF MASON CITY — 2003
What 1ST STATE BANK OF MASON CITY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 21,592,000 | 21,661,000 | 21,692,000 | 22,191,000 |
| Total loans | 13,581,000 | 13,149,000 | 12,805,000 | 12,609,000 |
| Allowance for loan losses | 139,000 | 188,000 | 129,000 | 126,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,083,000 | 3,932,000 | 4,115,000 | 4,243,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,119,000 | 18,220,000 | 18,235,000 | 18,652,000 |
| Interest-bearing deposits | 15,791,000 | 15,928,000 | 16,358,000 | 16,290,000 |
| Noninterest-bearing deposits | 2,328,000 | 2,292,000 | 1,877,000 | 2,363,000 |
| Equity capital | 2,307,000 | 2,289,000 | 2,309,000 | 2,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 289,000 | 555,000 | 806,000 | 1,063,000 |
| Interest expense | 129,000 | 249,000 | 368,000 | 480,000 |
| Net interest income | 160,000 | 306,000 | 438,000 | 583,000 |
| Noninterest income | 26,000 | 47,000 | 69,000 | 93,000 |
| Noninterest expense | 110,000 | 217,000 | 321,000 | 438,000 |
| Provision for loan losses | 10,000 | 70,000 | 83,000 | 92,000 |
| Pretax income | 66,000 | 66,000 | 103,000 | 146,000 |
| Income tax | 18,000 | 36,000 | 53,000 | 27,000 |
| Net income | 48,000 | 30,000 | 50,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,307,000 | 2,289,000 | 2,309,000 | 2,317,000 |
| Total capital | 2,446,000 | 2,455,000 | 2,438,000 | 2,443,000 |
| Risk-weighted assets | 13,431,000 | 13,227,000 | 13,147,000 | 13,193,000 |
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