Call reports 2014
MADISON COUNTY COMMUNITY BANK — 2014
What MADISON COUNTY COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 104,557,000 | 108,932,000 | 111,154,000 | 111,123,000 |
| Total loans | 54,734,000 | 55,754,000 | 55,679,000 | 52,322,000 |
| Allowance for loan losses | 730,000 | 788,000 | 838,000 | 851,000 |
| Securities available for sale | 35,439,000 | 37,626,000 | 38,765,000 | 41,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,827,000 | 99,961,000 | 102,079,000 | 101,692,000 |
| Interest-bearing deposits | 83,238,000 | 84,827,000 | 85,380,000 | 84,727,000 |
| Noninterest-bearing deposits | 12,589,000 | 15,134,000 | 16,700,000 | 16,965,000 |
| Equity capital | 8,601,000 | 8,873,000 | 8,897,000 | 9,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 858,000 | 1,749,000 | 2,641,000 | 3,552,000 |
| Interest expense | 124,000 | 247,000 | 368,000 | 482,000 |
| Net interest income | 734,000 | 1,502,000 | 2,273,000 | 3,070,000 |
| Noninterest income | 123,000 | 264,000 | 491,000 | 708,000 |
| Noninterest expense | 600,000 | 1,233,000 | 1,897,000 | 2,598,000 |
| Provision for loan losses | 62,000 | 126,000 | 184,000 | 202,000 |
| Pretax income | 177,000 | 371,000 | 629,000 | 906,000 |
| Income tax | 64,000 | 136,000 | 232,000 | 335,000 |
| Net income | 113,000 | 235,000 | 397,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,181,000 | 9,247,000 | 9,408,000 | 9,587,000 |
| Total capital | 9,862,000 | 9,948,000 | 10,076,000 | 10,236,000 |
| Risk-weighted assets | 54,453,000 | 56,018,000 | 55,711,000 | 51,942,000 |