Call reports 2005
MADISON COUNTY COMMUNITY BANK — 2005
What MADISON COUNTY COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 45,089,000 | 48,643,000 | 49,049,000 | 52,190,000 |
| Total loans | 29,720,000 | 30,975,000 | 31,963,000 | 31,922,000 |
| Allowance for loan losses | 315,000 | 346,000 | 356,000 | 359,000 |
| Securities available for sale | 11,654,000 | 11,413,000 | 10,706,000 | 10,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,953,000 | 42,837,000 | 42,911,000 | 46,187,000 |
| Interest-bearing deposits | 30,728,000 | 35,607,000 | 33,996,000 | 34,345,000 |
| Noninterest-bearing deposits | 7,225,000 | 7,230,000 | 8,914,000 | 11,841,000 |
| Equity capital | 5,305,000 | 5,541,000 | 5,674,000 | 5,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 589,000 | 1,240,000 | 1,943,000 | 2,689,000 |
| Interest expense | 129,000 | 288,000 | 469,000 | 682,000 |
| Net interest income | 460,000 | 952,000 | 1,474,000 | 2,007,000 |
| Noninterest income | 106,000 | 202,000 | 293,000 | 389,000 |
| Noninterest expense | 304,000 | 608,000 | 932,000 | 1,323,000 |
| Provision for loan losses | 23,000 | 55,000 | 64,000 | 70,000 |
| Pretax income | 239,000 | 491,000 | 771,000 | 1,003,000 |
| Income tax | 90,000 | 185,000 | 290,000 | 377,000 |
| Net income | 149,000 | 306,000 | 481,000 | 626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,516,000 | 5,672,000 | 5,847,000 | 5,992,000 |
| Total capital | 5,831,000 | 6,018,000 | 6,203,000 | 6,351,000 |
| Risk-weighted assets | 36,319,000 | 38,934,000 | 39,907,000 | 40,048,000 |
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