Call reports 2008
MADISON COUNTY COMMUNITY BANK — 2008
What MADISON COUNTY COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 72,866,000 | 76,252,000 | 72,240,000 | 71,647,000 |
| Total loans | 45,177,000 | 45,056,000 | 46,970,000 | 50,256,000 |
| Allowance for loan losses | 448,000 | 453,000 | 466,000 | 502,000 |
| Securities available for sale | 8,930,000 | 10,101,000 | 10,543,000 | 9,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,223,000 | 68,827,000 | 64,714,000 | 63,897,000 |
| Interest-bearing deposits | 56,869,000 | 61,257,000 | 57,468,000 | 55,587,000 |
| Noninterest-bearing deposits | 8,354,000 | 7,571,000 | 7,246,000 | 8,310,000 |
| Equity capital | 7,303,000 | 7,105,000 | 7,276,000 | 7,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,039,000 | 2,034,000 | 3,042,000 | 4,027,000 |
| Interest expense | 539,000 | 1,056,000 | 1,534,000 | 1,974,000 |
| Net interest income | 500,000 | 978,000 | 1,508,000 | 2,053,000 |
| Noninterest income | 138,000 | 287,000 | 441,000 | 582,000 |
| Noninterest expense | 496,000 | 1,010,000 | 1,512,000 | 2,008,000 |
| Provision for loan losses | 4,000 | 18,000 | 40,000 | 84,000 |
| Pretax income | 138,000 | 237,000 | 397,000 | 543,000 |
| Income tax | 52,000 | 89,000 | 149,000 | 198,000 |
| Net income | 86,000 | 148,000 | 248,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,291,000 | 7,202,000 | 7,302,000 | 7,446,000 |
| Total capital | 7,739,000 | 7,655,000 | 7,768,000 | 7,948,000 |
| Risk-weighted assets | 52,740,000 | 53,288,000 | 53,928,000 | 54,748,000 |
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