Call reports 2012
MADISON COUNTY COMMUNITY BANK — 2012
What MADISON COUNTY COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 100,713,000 | 98,060,000 | 101,569,000 | 104,148,000 |
| Total loans | 54,091,000 | 53,092,000 | 54,374,000 | 55,607,000 |
| Allowance for loan losses | 1,152,000 | 1,559,000 | 868,000 | 945,000 |
| Securities available for sale | 25,937,000 | 30,359,000 | 32,155,000 | 33,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,422,000 | 89,663,000 | 92,706,000 | 95,248,000 |
| Interest-bearing deposits | 78,226,000 | 78,801,000 | 80,600,000 | 82,835,000 |
| Noninterest-bearing deposits | 13,196,000 | 10,862,000 | 12,106,000 | 12,413,000 |
| Equity capital | 9,061,000 | 8,299,000 | 8,731,000 | 8,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 902,000 | 1,762,000 | 2,647,000 | 3,557,000 |
| Interest expense | 232,000 | 453,000 | 668,000 | 862,000 |
| Net interest income | 670,000 | 1,309,000 | 1,979,000 | 2,695,000 |
| Noninterest income | 113,000 | 245,000 | 359,000 | 540,000 |
| Noninterest expense | 570,000 | 1,111,000 | 1,654,000 | 2,194,000 |
| Provision for loan losses | 156,000 | 1,546,000 | 1,606,000 | 1,692,000 |
| Pretax income | 154,000 | -845,000 | -664,000 | -327,000 |
| Income tax | 57,000 | -319,000 | -251,000 | -124,000 |
| Net income | 97,000 | -526,000 | -413,000 | -203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,890,000 | 8,269,000 | 8,380,000 | 8,594,000 |
| Total capital | 9,556,000 | 8,918,000 | 9,045,000 | 9,274,000 |
| Risk-weighted assets | 52,824,000 | 51,007,000 | 53,023,000 | 53,401,000 |