Call reports 2009
1ST STATE BANK OF MASON CITY — 2009
What 1ST STATE BANK OF MASON CITY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 24,730,000 | 25,087,000 | 23,768,000 | 23,852,000 |
| Total loans | 12,336,000 | 12,833,000 | 13,146,000 | 13,429,000 |
| Allowance for loan losses | 121,000 | 147,000 | 149,000 | 133,000 |
| Securities available for sale | 0 | 0 | 0 | 777,000 |
| Securities held to maturity | 9,155,000 | 8,973,000 | 8,462,000 | 6,842,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,671,000 | 22,028,000 | 20,653,000 | 20,751,000 |
| Interest-bearing deposits | 19,008,000 | 19,284,000 | 18,562,000 | 18,108,000 |
| Noninterest-bearing deposits | 2,663,000 | 2,744,000 | 2,092,000 | 2,643,000 |
| Equity capital | 2,965,000 | 2,999,000 | 3,057,000 | 2,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 300,000 | 590,000 | 884,000 | 1,159,000 |
| Interest expense | 123,000 | 237,000 | 344,000 | 443,000 |
| Net interest income | 177,000 | 353,000 | 540,000 | 716,000 |
| Noninterest income | 25,000 | 53,000 | 83,000 | 117,000 |
| Noninterest expense | 112,000 | 224,000 | 355,000 | 507,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 110,000 |
| Pretax income | 90,000 | 152,000 | 238,000 | 216,000 |
| Income tax | 26,000 | 54,000 | 82,000 | 69,000 |
| Net income | 64,000 | 98,000 | 156,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,965,000 | 2,999,000 | 3,057,000 | 2,944,000 |
| Total capital | 3,086,000 | 3,146,000 | 3,206,000 | 3,077,000 |
| Risk-weighted assets | 13,413,000 | 13,844,000 | 13,836,000 | 14,063,000 |
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