Call reports 2023
MADISON COUNTY COMMUNITY BANK — 2023
What MADISON COUNTY COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 170,134,000 | 174,937,000 | 181,753,000 | 179,521,000 |
| Total loans | 82,296,000 | 85,056,000 | 84,750,000 | 80,104,000 |
| Allowance for loan losses | 1,584,000 | 1,593,000 | 1,609,000 | 1,634,000 |
| Securities available for sale | 71,802,000 | 66,267,000 | 61,566,000 | 65,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,719,000 | 160,714,000 | 164,095,000 | 158,489,000 |
| Interest-bearing deposits | 119,304,000 | 121,580,000 | 121,562,000 | 123,674,000 |
| Noninterest-bearing deposits | 39,415,000 | 39,134,000 | 42,533,000 | 34,816,000 |
| Equity capital | 7,795,000 | 7,781,000 | 5,934,000 | 9,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,762,000 | 3,596,000 | 5,668,000 | 7,798,000 |
| Interest expense | 338,000 | 836,000 | 1,511,000 | 2,240,000 |
| Net interest income | 1,424,000 | 2,760,000 | 4,157,000 | 5,558,000 |
| Noninterest income | 242,000 | 457,000 | 696,000 | 956,000 |
| Noninterest expense | 1,049,000 | 2,147,000 | 3,302,000 | 4,434,000 |
| Provision for loan losses | 24,000 | 32,000 | 47,000 | 71,000 |
| Pretax income | 575,000 | 1,002,000 | 1,459,000 | 1,964,000 |
| Income tax | 104,000 | 175,000 | 253,000 | 343,000 |
| Net income | 471,000 | 827,000 | 1,206,000 | 1,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,117,000 | 15,472,000 | 15,852,000 | 16,258,000 |
| Total capital | 16,390,000 | 18,096,000 | 18,516,000 | 17,529,000 |
| Risk-weighted assets | 101,560,000 | 104,640,000 | 106,284,000 | 101,307,000 |