Call reports 2015
MADISON COUNTY COMMUNITY BANK — 2015
What MADISON COUNTY COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 115,651,000 | 109,074,000 | 108,615,000 | 112,305,000 |
| Total loans | 50,980,000 | 51,397,000 | 51,910,000 | 52,013,000 |
| Allowance for loan losses | 847,000 | 863,000 | 824,000 | 768,000 |
| Securities available for sale | 39,925,000 | 39,639,000 | 38,658,000 | 38,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,975,000 | 99,622,000 | 98,785,000 | 102,471,000 |
| Interest-bearing deposits | 88,997,000 | 83,250,000 | 82,894,000 | 85,465,000 |
| Noninterest-bearing deposits | 16,978,000 | 16,373,000 | 15,891,000 | 17,006,000 |
| Equity capital | 9,373,000 | 9,310,000 | 9,575,000 | 9,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,669,000 | 2,514,000 | 3,379,000 |
| Interest expense | 108,000 | 213,000 | 313,000 | 420,000 |
| Net interest income | 732,000 | 1,456,000 | 2,201,000 | 2,959,000 |
| Noninterest income | 127,000 | 266,000 | 412,000 | 605,000 |
| Noninterest expense | 635,000 | 1,302,000 | 1,998,000 | 2,723,000 |
| Provision for loan losses | 36,000 | 48,000 | 48,000 | 36,000 |
| Pretax income | 244,000 | 425,000 | 620,000 | 865,000 |
| Income tax | 89,000 | 153,000 | 221,000 | 306,000 |
| Net income | 155,000 | 272,000 | 399,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,546,000 | 9,663,000 | 9,790,000 | 9,952,000 |
| Total capital | 10,209,000 | 10,367,000 | 10,488,000 | 10,660,000 |
| Risk-weighted assets | 52,893,000 | 56,213,000 | 55,706,000 | 56,557,000 |