Call reports 2020
MADISON COUNTY COMMUNITY BANK — 2020
What MADISON COUNTY COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 128,079,000 | 145,515,000 | 149,371,000 | 153,494,000 |
| Total loans | 67,005,000 | 74,325,000 | 72,511,000 | 69,255,000 |
| Allowance for loan losses | 1,130,000 | 1,198,000 | 1,269,000 | 1,340,000 |
| Securities available for sale | 40,483,000 | 46,112,000 | 56,867,000 | 64,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,800,000 | 131,887,000 | 135,393,000 | 138,933,000 |
| Interest-bearing deposits | 92,656,000 | 101,476,000 | 103,801,000 | 106,772,000 |
| Noninterest-bearing deposits | 23,144,000 | 30,411,000 | 31,592,000 | 32,161,000 |
| Equity capital | 11,545,000 | 12,746,000 | 13,077,000 | 13,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,243,000 | 2,473,000 | 3,702,000 | 4,988,000 |
| Interest expense | 153,000 | 311,000 | 475,000 | 637,000 |
| Net interest income | 1,090,000 | 2,162,000 | 3,227,000 | 4,351,000 |
| Noninterest income | 184,000 | 426,000 | 650,000 | 836,000 |
| Noninterest expense | 837,000 | 1,749,000 | 2,615,000 | 3,307,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 365,000 | 692,000 | 1,054,000 | 1,597,000 |
| Income tax | 61,000 | 103,000 | 164,000 | 266,000 |
| Net income | 304,000 | 589,000 | 890,000 | 1,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,992,000 | 12,278,000 | 12,579,000 | 13,019,000 |
| Total capital | — | 13,221,000 | 13,523,000 | 13,971,000 |
| Risk-weighted assets | — | 75,146,000 | 75,202,000 | 75,925,000 |