Mason City National Bank in Mason City, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Mason City National Bank - Overview

  • General
  • FDIC Certificate #: 16198
    Status: Active
    Federal Reserve ID: 108746
    Bank Holding Company (Regulatory Top Holder): Mason City Bancorp, Inc. (RSSDID: 1399019, Location: Mason City, IL)
    Date Established: October 09, 1944
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 10400
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: October 09, 1944
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 104 West Pine Street, Mason City, IL 62664
    County: Mason
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $72.2 mil
    Equity capital: $10.5 mil
    Deposits held in domestic offices: $61.6 mil
    Return on assets (ROA): 1.00% ($0.7 mil)
    Quarterly return on assets: 0.89% ($0.6 mil)
    Return on Equity (ROE): 6.87% ($0.8 mil)
    Quarterly return on equity: 6.08% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.01% ($729.1 mil)
    Quarterly Pretax return on assets: 0.89% ($642.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 12Total employees (full-time equivalent)
  • $72,188Total assets
  • $9,159Cash and due from depository institutions
  • $8,698Interest-bearing balances
  • $31,360Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $30,475Net loans & leases
  • $84Loan loss allowance
  • $0Trading account assets
  • $379Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $72,188Life insurance assets
  • $815All other assets
  • $61,664Total liabilities and capital
  • $61,571Total liabilities
  • $52,065Total deposits
  • $61,571Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $93Subordinated debt
  • $10,524All other liabilities
  • $10,524Total equity capital
  • $10,524Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $600Surplus
  • $9,324Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $365Income earned, not collected on loans
  • $0Earning assets
  • $318Long-term assets (5+ years)
  • $70,533Average Assets, year-to-date
  • $32,513Average Assets, quarterly
  • $70,892Volatile liabilities
  • $72,273Insider loans
  • $32,946FHLB advances
  • $71,549Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,098Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,918Restructured Loans and leases
  • $4,021Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,400Total interest income
  • $575Total interest expense
  • $1,825Net interest income
  • $8Provision for loan and lease losses
  • $124Total noninterest income
  • $4Fiduciary activities
  • $63Service charges on deposit accounts
  • $0Trading account gains & fees
  • $57Additional noninterest income
  • $1,290Total noninterest expense
  • $739Salaries and employee benefits
  • $248Premises and equipment expense
  • $303Additional noninterest expense
  • $651Pre-tax net operating income
  • $62Securities gains (losses)
  • $6Applicable income taxes
  • $707Income before extraordinary items
  • $0Extraordinary gains - net
  • $707Net income attributable to bank
  • $0Net charge-offs
  • $707Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $447Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.49%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 2.66%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 1.88%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 6.87%Return on equity (ROE)
  • 2.53%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 400.00%Credit loss provision to net charge-offs
  • 329.50%Efficiency ratio
  • 66,188Assets per employee
  • 6.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.22%Loss allowance to loans
  • 0.27%Loss allowance to noncurrent loans
  • 23.01%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 1.19%Net loans and leases to deposits
  • 49.50%Net loans and leases to core deposits
  • 49.89%Equity capital to assets
  • 14.58%Core capital (leverage) ratio
  • 14.11%Tier 1 risk-based capital ratio
  • 30.65%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $70,892Average earning assets
  • $10,291Average equity
  • $68,723Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $688Managed Assets
  • 1Number of Accounts
  • $688Personal trust and agency accounts
  • $688Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 6Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010400Mason City National Bank104 West Pine Street, Mason City, IL 62664October 09, 1944Full Service Brick and Mortar

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