Call reports 2015
1ST STATE BANK OF MASON CITY — 2015
What 1ST STATE BANK OF MASON CITY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 30,454,000 | 30,887,000 | 30,743,000 | 29,675,000 |
| Total loans | 11,968,000 | 11,614,000 | 11,645,000 | 12,167,000 |
| Allowance for loan losses | 148,000 | 147,000 | 144,000 | 158,000 |
| Securities available for sale | 8,132,000 | 9,610,000 | 9,908,000 | 10,100,000 |
| Securities held to maturity | 1,040,000 | 921,000 | 838,000 | 786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,930,000 | 27,366,000 | 27,083,000 | 25,997,000 |
| Interest-bearing deposits | 22,559,000 | 22,544,000 | 21,709,000 | 21,340,000 |
| Noninterest-bearing deposits | 4,371,000 | 4,822,000 | 5,374,000 | 4,657,000 |
| Equity capital | 3,495,000 | 3,485,000 | 3,633,000 | 3,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 210,000 | 413,000 | 626,000 | 842,000 |
| Interest expense | 28,000 | 56,000 | 83,000 | 109,000 |
| Net interest income | 182,000 | 357,000 | 543,000 | 733,000 |
| Noninterest income | 26,000 | 55,000 | 86,000 | 117,000 |
| Noninterest expense | 132,000 | 251,000 | 383,000 | 538,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 40,000 |
| Pretax income | 46,000 | 131,000 | 216,000 | 272,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 46,000 | 131,000 | 216,000 | 272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,420,000 | 3,505,000 | 3,590,000 | 3,645,000 |
| Total capital | 3,568,000 | 3,652,000 | 3,734,000 | 3,803,000 |
| Risk-weighted assets | 12,935,000 | 13,577,000 | 13,696,000 | 13,811,000 |