Call reports 2003
MADISONVILLE STATE BANK — 2003
What MADISONVILLE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 156,276,000 | 160,464,000 | 180,999,000 | 193,249,000 |
| Total loans | 128,780,000 | 131,463,000 | 151,056,000 | 158,610,000 |
| Allowance for loan losses | 1,094,000 | 1,090,000 | 1,085,000 | 1,069,000 |
| Securities available for sale | 15,035,000 | 16,827,000 | 18,594,000 | 20,990,000 |
| Securities held to maturity | 3,455,000 | 3,479,000 | 3,293,000 | 3,286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,254,000 | 136,725,000 | 136,670,000 | 143,454,000 |
| Interest-bearing deposits | 126,380,000 | 126,133,000 | 123,289,000 | 129,448,000 |
| Noninterest-bearing deposits | 11,874,000 | 10,592,000 | 13,381,000 | 14,006,000 |
| Equity capital | 16,559,000 | 17,705,000 | 18,534,000 | 19,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,616,000 | 5,554,000 | 8,285,000 | 11,413,000 |
| Interest expense | 764,000 | 1,479,000 | 2,118,000 | 2,774,000 |
| Net interest income | 1,852,000 | 4,075,000 | 6,167,000 | 8,639,000 |
| Noninterest income | 143,000 | 296,000 | 450,000 | 598,000 |
| Noninterest expense | 912,000 | 1,771,000 | 2,631,000 | 3,596,000 |
| Provision for loan losses | 0 | 0 | 0 | 350,000 |
| Pretax income | 1,072,000 | 2,589,000 | 3,975,000 | 5,293,000 |
| Income tax | 396,000 | 961,000 | 1,478,000 | 1,969,000 |
| Net income | 676,000 | 1,628,000 | 2,497,000 | 3,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,501,000 | 17,453,000 | 18,322,000 | 19,149,000 |
| Total capital | 17,595,000 | 18,543,000 | 19,407,000 | 20,218,000 |
| Risk-weighted assets | 142,627,000 | 147,840,000 | 168,573,000 | 177,038,000 |