Call reports 2004
MADISON COUNTY COMMUNITY BANK — 2004
What MADISON COUNTY COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 42,662,000 | 44,689,000 | 42,028,000 | 42,298,000 |
| Total loans | 23,538,000 | 23,046,000 | 23,363,000 | 26,976,000 |
| Allowance for loan losses | 272,000 | 249,000 | 257,000 | 292,000 |
| Securities available for sale | 12,026,000 | 12,842,000 | 12,677,000 | 12,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,309,000 | 39,315,000 | 36,615,000 | 36,494,000 |
| Interest-bearing deposits | 30,760,000 | 31,099,000 | 30,133,000 | 29,600,000 |
| Noninterest-bearing deposits | 6,550,000 | 8,216,000 | 6,482,000 | 6,894,000 |
| Equity capital | 5,216,000 | 5,048,000 | 5,263,000 | 5,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 442,000 | 908,000 | 1,413,000 | 1,951,000 |
| Interest expense | 128,000 | 247,000 | 367,000 | 484,000 |
| Net interest income | 314,000 | 661,000 | 1,046,000 | 1,467,000 |
| Noninterest income | 83,000 | 179,000 | 264,000 | 363,000 |
| Noninterest expense | 271,000 | 563,000 | 852,000 | 1,134,000 |
| Provision for loan losses | 16,000 | 23,000 | 30,000 | 65,000 |
| Pretax income | 110,000 | 254,000 | 428,000 | 631,000 |
| Income tax | 44,000 | 100,000 | 170,000 | 238,000 |
| Net income | 66,000 | 154,000 | 258,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,196,000 | 5,230,000 | 5,334,000 | 5,471,000 |
| Total capital | 5,468,000 | 5,479,000 | 5,591,000 | 5,763,000 |
| Risk-weighted assets | 26,885,000 | 27,496,000 | 27,140,000 | 34,126,000 |
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