Call reports 2007
1ST STATE BANK OF MASON CITY — 2007
What 1ST STATE BANK OF MASON CITY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 22,792,000 | 22,960,000 | 23,389,000 | 23,651,000 |
| Total loans | 12,349,000 | 12,821,000 | 13,098,000 | 13,513,000 |
| Allowance for loan losses | 117,000 | 121,000 | 121,000 | 121,000 |
| Securities available for sale | 249,000 | 249,000 | 249,000 | 0 |
| Securities held to maturity | 7,403,000 | 7,736,000 | 7,512,000 | 7,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,684,000 | 19,808,000 | 20,187,000 | 20,671,000 |
| Interest-bearing deposits | 17,526,000 | 17,498,000 | 18,239,000 | 18,445,000 |
| Noninterest-bearing deposits | 2,159,000 | 2,310,000 | 1,948,000 | 2,226,000 |
| Equity capital | 2,704,000 | 2,776,000 | 2,826,000 | 2,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 331,000 | 676,000 | 1,030,000 | 1,386,000 |
| Interest expense | 156,000 | 319,000 | 491,000 | 668,000 |
| Net interest income | 175,000 | 357,000 | 539,000 | 718,000 |
| Noninterest income | 36,000 | 68,000 | 100,000 | 134,000 |
| Noninterest expense | 120,000 | 234,000 | 338,000 | 474,000 |
| Provision for loan losses | 3,000 | 10,000 | 38,000 | 48,000 |
| Pretax income | 88,000 | 181,000 | 263,000 | 330,000 |
| Income tax | 20,000 | 41,000 | 73,000 | 110,000 |
| Net income | 68,000 | 140,000 | 190,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,704,000 | 2,776,000 | 2,826,000 | 2,771,000 |
| Total capital | 2,821,000 | 2,897,000 | 2,947,000 | 2,892,000 |
| Risk-weighted assets | 13,203,000 | 13,670,000 | 14,008,000 | 14,321,000 |
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