Call reports 2004
MADISON BANK — 2004
What MADISON BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 124,512,000 | 127,844,000 | 124,625,000 | 129,704,000 |
| Total loans | 97,693,000 | 100,746,000 | 102,222,000 | 104,209,000 |
| Allowance for loan losses | 1,380,000 | 1,437,000 | 1,476,000 | 1,470,000 |
| Securities available for sale | 17,138,000 | 18,942,000 | 15,743,000 | 15,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,881,000 | 103,907,000 | 101,951,000 | 107,060,000 |
| Interest-bearing deposits | 90,178,000 | 87,916,000 | 86,903,000 | 91,902,000 |
| Noninterest-bearing deposits | 13,703,000 | 15,991,000 | 15,048,000 | 15,158,000 |
| Equity capital | 8,282,000 | 7,913,000 | 8,487,000 | 8,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,769,000 | 3,581,000 | 5,378,000 | 7,199,000 |
| Interest expense | 577,000 | 1,138,000 | 1,692,000 | 2,284,000 |
| Net interest income | 1,192,000 | 2,443,000 | 3,686,000 | 4,915,000 |
| Noninterest income | 210,000 | 470,000 | 766,000 | 1,038,000 |
| Noninterest expense | 1,087,000 | 2,235,000 | 3,388,000 | 4,414,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 255,000 | 558,000 | 878,000 | 1,293,000 |
| Income tax | 87,000 | 190,000 | 299,000 | 428,000 |
| Net income | 168,000 | 368,000 | 579,000 | 865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,303,000 | 8,424,000 | 8,634,000 | 9,036,000 |
| Total capital | 9,453,000 | 9,593,000 | 9,828,000 | 10,275,000 |
| Risk-weighted assets | 91,807,000 | 93,222,000 | 95,263,000 | 98,869,000 |