Call reports 2005
1ST STATE BANK OF MASON CITY — 2005
What 1ST STATE BANK OF MASON CITY 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 | 21,430,000 | 21,556,000 | 21,471,000 | 21,539,000 |
| Total loans | 11,937,000 | 11,928,000 | 12,412,000 | 12,089,000 |
| Allowance for loan losses | 128,000 | 134,000 | 129,000 | 124,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,123,000 | 7,715,000 | 7,360,000 | 7,332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,589,000 | 18,716,000 | 18,571,000 | 18,575,000 |
| Interest-bearing deposits | 16,538,000 | 16,546,000 | 16,233,000 | 16,426,000 |
| Noninterest-bearing deposits | 2,051,000 | 2,170,000 | 2,338,000 | 2,150,000 |
| Equity capital | 2,471,000 | 2,492,000 | 2,558,000 | 2,509,000 |
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 | 252,000 | 499,000 | 771,000 | 1,040,000 |
| Interest expense | 90,000 | 193,000 | 298,000 | 411,000 |
| Net interest income | 162,000 | 306,000 | 473,000 | 629,000 |
| Noninterest income | 21,000 | 48,000 | 75,000 | 100,000 |
| Noninterest expense | 112,000 | 235,000 | 342,000 | 475,000 |
| Provision for loan losses | 0 | 9,000 | 9,000 | 9,000 |
| Pretax income | 71,000 | 110,000 | 197,000 | 245,000 |
| Income tax | 17,000 | 35,000 | 57,000 | 77,000 |
| Net income | 54,000 | 75,000 | 140,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,471,000 | 2,492,000 | 2,558,000 | 2,509,000 |
| Total capital | 2,599,000 | 2,626,000 | 2,687,000 | 2,633,000 |
| Risk-weighted assets | 12,844,000 | 12,512,000 | 13,043,000 | 12,673,000 |
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