Call reports 2005
MADISON BANK — 2005
What MADISON BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 133,142,000 | 136,117,000 | 136,690,000 | 132,724,000 |
| Total loans | 109,096,000 | 109,100,000 | 113,339,000 | 110,043,000 |
| Allowance for loan losses | 1,530,000 | 1,590,000 | 1,651,000 | 1,650,000 |
| Securities available for sale | 15,580,000 | 15,923,000 | 15,517,000 | 15,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,528,000 | 113,043,000 | 105,508,000 | 105,543,000 |
| Interest-bearing deposits | 94,641,000 | 96,184,000 | 88,019,000 | 89,413,000 |
| Noninterest-bearing deposits | 15,887,000 | 16,859,000 | 17,489,000 | 16,130,000 |
| Equity capital | 8,800,000 | 9,314,000 | 9,211,000 | 9,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,946,000 | 3,996,000 | 6,109,000 | 8,306,000 |
| Interest expense | 654,000 | 1,363,000 | 2,106,000 | 2,936,000 |
| Net interest income | 1,292,000 | 2,633,000 | 4,003,000 | 5,370,000 |
| Noninterest income | 310,000 | 615,000 | 923,000 | 1,292,000 |
| Noninterest expense | 1,274,000 | 2,521,000 | 3,757,000 | 4,946,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 268,000 | 607,000 | 989,000 | 1,476,000 |
| Income tax | 90,000 | 200,000 | 330,000 | 488,000 |
| Net income | 178,000 | 407,000 | 659,000 | 988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,258,000 | 9,487,000 | 9,539,000 | 9,668,000 |
| Total capital | 10,552,000 | 10,798,000 | 10,888,000 | 10,978,000 |
| Risk-weighted assets | 103,285,000 | 104,611,000 | 107,616,000 | 104,420,000 |