Call reports 2011
MADISON COUNTY COMMUNITY BANK — 2011
What MADISON COUNTY COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 94,071,000 | 92,773,000 | 94,033,000 | 94,305,000 |
| Total loans | 55,456,000 | 56,203,000 | 57,025,000 | 56,154,000 |
| Allowance for loan losses | 898,000 | 944,000 | 1,001,000 | 1,065,000 |
| Securities available for sale | 23,718,000 | 24,021,000 | 23,531,000 | 24,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,586,000 | 83,907,000 | 84,782,000 | 85,131,000 |
| Interest-bearing deposits | 76,967,000 | 75,961,000 | 76,795,000 | 75,256,000 |
| Noninterest-bearing deposits | 8,619,000 | 7,946,000 | 7,987,000 | 9,875,000 |
| Equity capital | 8,371,000 | 8,740,000 | 9,081,000 | 9,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 989,000 | 1,997,000 | 2,995,000 | 3,913,000 |
| Interest expense | 300,000 | 587,000 | 861,000 | 1,114,000 |
| Net interest income | 689,000 | 1,410,000 | 2,134,000 | 2,799,000 |
| Noninterest income | 146,000 | 220,000 | 358,000 | 457,000 |
| Noninterest expense | 606,000 | 1,160,000 | 1,732,000 | 2,286,000 |
| Provision for loan losses | 86,000 | 146,000 | 206,000 | 326,000 |
| Pretax income | 143,000 | 324,000 | 554,000 | 771,000 |
| Income tax | 54,000 | 122,000 | 208,000 | 290,000 |
| Net income | 89,000 | 202,000 | 346,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,479,000 | 8,591,000 | 8,736,000 | 8,877,000 |
| Total capital | 9,174,000 | 9,292,000 | 9,441,000 | 9,566,000 |
| Risk-weighted assets | 55,197,000 | 55,834,000 | 56,110,000 | 54,824,000 |