Call reports 2006
1ST STATE BANK OF MASON CITY — 2006
What 1ST STATE BANK OF MASON CITY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 22,036,000 | 21,240,000 | 21,144,000 | 21,788,000 |
| Total loans | 12,235,000 | 11,738,000 | 12,449,000 | 12,211,000 |
| Allowance for loan losses | 101,000 | 118,000 | 119,000 | 123,000 |
| Securities available for sale | 248,000 | 250,000 | 249,000 | 249,000 |
| Securities held to maturity | 7,679,000 | 7,613,000 | 7,004,000 | 6,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,090,000 | 18,241,000 | 18,085,000 | 18,654,000 |
| Interest-bearing deposits | 16,709,000 | 16,140,000 | 16,011,000 | 16,731,000 |
| Noninterest-bearing deposits | 2,381,000 | 2,101,000 | 2,073,000 | 1,923,000 |
| Equity capital | 2,565,000 | 2,628,000 | 2,685,000 | 2,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 290,000 | 593,000 | 900,000 | 1,219,000 |
| Interest expense | 119,000 | 252,000 | 390,000 | 536,000 |
| Net interest income | 171,000 | 341,000 | 510,000 | 683,000 |
| Noninterest income | 23,000 | 51,000 | 80,000 | 108,000 |
| Noninterest expense | 111,000 | 226,000 | 335,000 | 472,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 15,000 |
| Pretax income | 74,000 | 157,000 | 246,000 | 304,000 |
| Income tax | 18,000 | 38,000 | 68,000 | 100,000 |
| Net income | 56,000 | 119,000 | 178,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,565,000 | 2,628,000 | 2,685,000 | 2,635,000 |
| Total capital | 2,666,000 | 2,746,000 | 2,804,000 | 2,758,000 |
| Risk-weighted assets | 12,847,000 | 12,378,000 | 12,932,000 | 12,939,000 |
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