Call reports 2007
MADISON BANK — 2007
What MADISON BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 136,189,000 | 139,027,000 | 133,264,000 | 133,090,000 |
| Total loans | 105,165,000 | 108,056,000 | 107,241,000 | 108,070,000 |
| Allowance for loan losses | 1,805,000 | 1,851,000 | 1,885,000 | 1,725,000 |
| Securities available for sale | 19,208,000 | 19,002,000 | 18,552,000 | 16,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,133,000 | 123,054,000 | 120,553,000 | 114,986,000 |
| Interest-bearing deposits | 100,242,000 | 106,051,000 | 103,274,000 | 99,682,000 |
| Noninterest-bearing deposits | 16,891,000 | 17,003,000 | 17,279,000 | 15,304,000 |
| Equity capital | 9,831,000 | 9,859,000 | 10,141,000 | 10,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,353,000 | 4,719,000 | 7,110,000 | 9,436,000 |
| Interest expense | 1,099,000 | 2,229,000 | 3,389,000 | 4,524,000 |
| Net interest income | 1,254,000 | 2,490,000 | 3,721,000 | 4,912,000 |
| Noninterest income | 336,000 | 727,000 | 1,145,000 | 1,568,000 |
| Noninterest expense | 1,348,000 | 2,710,000 | 4,102,000 | 5,517,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 197,000 | 417,000 | 629,000 | 783,000 |
| Income tax | 68,000 | 143,000 | 214,000 | 255,000 |
| Net income | 129,000 | 274,000 | 415,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,025,000 | 10,170,000 | 10,241,000 | 10,308,000 |
| Total capital | 11,297,000 | 11,463,000 | 11,516,000 | 11,590,000 |
| Risk-weighted assets | 101,200,000 | 102,875,000 | 101,352,000 | 102,142,000 |