Call reports 2025
MADISON COUNTY COMMUNITY BANK — 2025
What MADISON COUNTY COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 194,757,000 | 194,939,000 | 203,854,000 | 202,295,000 |
| Total loans | 90,423,000 | 99,564,000 | 101,749,000 | 106,776,000 |
| Allowance for loan losses | 1,555,000 | 1,578,000 | 1,603,000 | 1,631,000 |
| Securities available for sale | 73,434,000 | 70,878,000 | 70,606,000 | 69,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,946,000 | 183,213,000 | 190,307,000 | 187,981,000 |
| Interest-bearing deposits | 141,909,000 | 143,330,000 | 146,605,000 | 149,730,000 |
| Noninterest-bearing deposits | 41,037,000 | 39,883,000 | 43,702,000 | 38,251,000 |
| Equity capital | 9,851,000 | 10,155,000 | 11,911,000 | 13,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,279,000 | 4,705,000 | 7,282,000 | 9,863,000 |
| Interest expense | 738,000 | 1,485,000 | 2,269,000 | 3,088,000 |
| Net interest income | 1,541,000 | 3,220,000 | 5,013,000 | 6,775,000 |
| Noninterest income | 312,000 | 644,000 | 950,000 | 1,261,000 |
| Noninterest expense | 1,455,000 | 2,884,000 | 4,373,000 | 5,820,000 |
| Provision for loan losses | 12,000 | 42,000 | 72,000 | 112,000 |
| Pretax income | 386,000 | 938,000 | 1,518,000 | 2,084,000 |
| Income tax | 75,000 | 195,000 | 321,000 | 443,000 |
| Net income | 311,000 | 743,000 | 1,197,000 | 1,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,878,000 | 17,311,000 | 17,765,000 | 18,208,000 |
| Total capital | 18,361,000 | 18,914,000 | 19,375,000 | 19,819,000 |
| Risk-weighted assets | 118,620,000 | 128,205,000 | 128,749,000 | 128,773,000 |