Call reports 2016
MADISON COUNTY COMMUNITY BANK — 2016
What MADISON COUNTY COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 110,416,000 | 114,136,000 | 117,354,000 | 116,652,000 |
| Total loans | 51,395,000 | 52,010,000 | 53,607,000 | 52,002,000 |
| Allowance for loan losses | 703,000 | 656,000 | 659,000 | 630,000 |
| Securities available for sale | 40,537,000 | 39,255,000 | 37,989,000 | 39,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,312,000 | 103,706,000 | 106,639,000 | 106,564,000 |
| Interest-bearing deposits | 83,170,000 | 87,447,000 | 88,003,000 | 86,158,000 |
| Noninterest-bearing deposits | 17,142,000 | 16,259,000 | 18,636,000 | 20,406,000 |
| Equity capital | 9,743,000 | 10,054,000 | 10,216,000 | 9,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 867,000 | 1,738,000 | 2,646,000 | 3,531,000 |
| Interest expense | 87,000 | 181,000 | 275,000 | 367,000 |
| Net interest income | 780,000 | 1,557,000 | 2,371,000 | 3,164,000 |
| Noninterest income | 156,000 | 260,000 | 417,000 | 590,000 |
| Noninterest expense | 709,000 | 1,437,000 | 2,166,000 | 2,861,000 |
| Provision for loan losses | 6,000 | -31,000 | -31,000 | -13,000 |
| Pretax income | 221,000 | 412,000 | 657,000 | 910,000 |
| Income tax | 74,000 | 135,000 | 214,000 | 297,000 |
| Net income | 147,000 | 277,000 | 443,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,875,000 | 10,006,000 | 10,170,000 | 10,345,000 |
| Total capital | 10,578,000 | 10,662,000 | 10,829,000 | 10,975,000 |
| Risk-weighted assets | 56,508,000 | 56,668,000 | 60,052,000 | 59,431,000 |