Call reports 2006
MADISON BANK — 2006
What MADISON BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 132,294,000 | 136,821,000 | 130,627,000 | 134,998,000 |
| Total loans | 106,526,000 | 111,569,000 | 107,013,000 | 107,265,000 |
| Allowance for loan losses | 1,694,000 | 1,747,000 | 1,733,000 | 1,756,000 |
| Securities available for sale | 15,109,000 | 15,357,000 | 16,222,000 | 19,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,915,000 | 107,969,000 | 111,983,000 | 114,702,000 |
| Interest-bearing deposits | 93,104,000 | 91,177,000 | 94,497,000 | 97,362,000 |
| Noninterest-bearing deposits | 16,811,000 | 16,792,000 | 17,486,000 | 17,340,000 |
| Equity capital | 9,146,000 | 9,166,000 | 9,589,000 | 9,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,144,000 | 4,453,000 | 6,824,000 | 9,164,000 |
| Interest expense | 826,000 | 1,726,000 | 2,745,000 | 3,783,000 |
| Net interest income | 1,318,000 | 2,727,000 | 4,079,000 | 5,381,000 |
| Noninterest income | 293,000 | 547,000 | 879,000 | 1,257,000 |
| Noninterest expense | 1,274,000 | 2,575,000 | 3,883,000 | 5,131,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 292,000 | 609,000 | 940,000 | 1,327,000 |
| Income tax | 99,000 | 201,000 | 313,000 | 442,000 |
| Net income | 193,000 | 408,000 | 627,000 | 885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,660,000 | 9,815,000 | 9,965,000 | 10,153,000 |
| Total capital | 10,935,000 | 11,135,000 | 11,244,000 | 11,452,000 |
| Risk-weighted assets | 101,616,000 | 105,206,000 | 101,825,000 | 103,452,000 |