Call reports 2010
1ST STATE BANK OF MASON CITY — 2010
What 1ST STATE BANK OF MASON CITY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 25,515,000 | 25,602,000 | 25,276,000 | 25,235,000 |
| Total loans | 12,482,000 | 12,276,000 | 12,901,000 | 13,188,000 |
| Allowance for loan losses | 133,000 | 128,000 | 144,000 | 83,000 |
| Securities available for sale | 2,224,000 | 3,907,000 | 3,155,000 | 3,206,000 |
| Securities held to maturity | 6,164,000 | 5,699,000 | 5,326,000 | 4,270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,469,000 | 22,448,000 | 22,084,000 | 22,109,000 |
| Interest-bearing deposits | 19,839,000 | 19,798,000 | 19,752,000 | 19,440,000 |
| Noninterest-bearing deposits | 2,630,000 | 2,650,000 | 2,332,000 | 2,669,000 |
| Equity capital | 2,985,000 | 3,100,000 | 3,151,000 | 3,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 269,000 | 537,000 | 807,000 | 1,072,000 |
| Interest expense | 94,000 | 187,000 | 274,000 | 352,000 |
| Net interest income | 175,000 | 350,000 | 533,000 | 720,000 |
| Noninterest income | 27,000 | 55,000 | 82,000 | 116,000 |
| Noninterest expense | 131,000 | 265,000 | 391,000 | 533,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 160,000 |
| Pretax income | 71,000 | 140,000 | 199,000 | 143,000 |
| Income tax | 13,000 | 0 | 0 | 0 |
| Net income | 71,000 | 140,000 | 199,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,985,000 | 3,059,000 | 3,118,000 | 3,062,000 |
| Total capital | 3,118,000 | 3,187,000 | 3,262,000 | 3,145,000 |
| Risk-weighted assets | 13,609,000 | 13,417,000 | 13,891,000 | 13,939,000 |