Call reports 2007
MADISON COUNTY COMMUNITY BANK — 2007
What MADISON COUNTY COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 55,923,000 | 56,963,000 | 62,967,000 | 65,136,000 |
| Total loans | 36,714,000 | 41,477,000 | 43,946,000 | 45,919,000 |
| Allowance for loan losses | 390,000 | 432,000 | 446,000 | 444,000 |
| Securities available for sale | 7,330,000 | 6,939,000 | 6,276,000 | 7,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,067,000 | 49,928,000 | 55,652,000 | 57,726,000 |
| Interest-bearing deposits | 40,340,000 | 41,795,000 | 47,710,000 | 49,239,000 |
| Noninterest-bearing deposits | 8,727,000 | 8,133,000 | 7,942,000 | 8,487,000 |
| Equity capital | 6,488,000 | 6,766,000 | 7,021,000 | 7,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 919,000 | 1,910,000 | 2,989,000 | 4,079,000 |
| Interest expense | 365,000 | 785,000 | 1,280,000 | 1,818,000 |
| Net interest income | 554,000 | 1,125,000 | 1,709,000 | 2,261,000 |
| Noninterest income | 110,000 | 224,000 | 451,000 | 577,000 |
| Noninterest expense | 355,000 | 737,000 | 1,185,000 | 1,674,000 |
| Provision for loan losses | 13,000 | 55,000 | 69,000 | 69,000 |
| Pretax income | 296,000 | 557,000 | 906,000 | 1,095,000 |
| Income tax | 112,000 | 210,000 | 342,000 | 412,000 |
| Net income | 184,000 | 347,000 | 564,000 | 683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,630,000 | 6,881,000 | 7,097,000 | 7,205,000 |
| Total capital | 7,020,000 | 7,313,000 | 7,543,000 | 7,649,000 |
| Risk-weighted assets | 45,576,000 | 49,188,000 | 52,166,000 | 54,229,000 |
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