Call reports 2004
1ST STATE BANK OF MASON CITY — 2004
What 1ST STATE BANK OF MASON CITY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 21,031,000 | 20,262,000 | 19,341,000 | 19,642,000 |
| Total loans | 12,024,000 | 11,878,000 | 12,312,000 | 12,165,000 |
| Allowance for loan losses | 128,000 | 125,000 | 133,000 | 127,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,525,000 | 5,903,000 | 5,790,000 | 5,759,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,331,000 | 17,503,000 | 16,519,000 | 16,732,000 |
| Interest-bearing deposits | 15,738,000 | 15,227,000 | 14,573,000 | 14,700,000 |
| Noninterest-bearing deposits | 2,593,000 | 2,277,000 | 1,946,000 | 2,032,000 |
| Equity capital | 2,355,000 | 2,406,000 | 2,458,000 | 2,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 246,000 | 494,000 | 739,000 | 986,000 |
| Interest expense | 107,000 | 194,000 | 279,000 | 365,000 |
| Net interest income | 139,000 | 300,000 | 460,000 | 621,000 |
| Noninterest income | 23,000 | 47,000 | 72,000 | 98,000 |
| Noninterest expense | 108,000 | 220,000 | 322,000 | 450,000 |
| Provision for loan losses | 0 | 5,000 | 15,000 | 15,000 |
| Pretax income | 54,000 | 122,000 | 195,000 | 254,000 |
| Income tax | 16,000 | 33,000 | 54,000 | 77,000 |
| Net income | 38,000 | 89,000 | 141,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,355,000 | 2,406,000 | 2,458,000 | 2,417,000 |
| Total capital | 2,483,000 | 2,531,000 | 2,591,000 | 2,544,000 |
| Risk-weighted assets | 12,348,000 | 12,163,000 | 12,292,000 | 12,253,000 |
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