Call reports 2004
MADISONVILLE STATE BANK — 2004
What MADISONVILLE STATE 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 | 202,967,000 | 217,944,000 | 207,831,000 | 237,508,000 |
| Total loans | 169,938,000 | 175,274,000 | 168,586,000 | 198,353,000 |
| Allowance for loan losses | 1,569,000 | 1,643,000 | 2,539,000 | 2,768,000 |
| Securities available for sale | 21,162,000 | 30,243,000 | 29,356,000 | 27,059,000 |
| Securities held to maturity | 3,300,000 | 3,293,000 | 3,082,000 | 3,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,691,000 | 140,780,000 | 145,593,000 | 144,068,000 |
| Interest-bearing deposits | 128,070,000 | 126,949,000 | 132,983,000 | 131,081,000 |
| Noninterest-bearing deposits | 12,621,000 | 13,831,000 | 12,610,000 | 12,987,000 |
| Equity capital | 20,234,000 | 20,833,000 | 22,516,000 | 23,585,000 |
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 | 2,928,000 | 6,102,000 | 10,204,000 | 13,490,000 |
| Interest expense | 646,000 | 1,312,000 | 2,069,000 | 2,921,000 |
| Net interest income | 2,282,000 | 4,790,000 | 8,135,000 | 10,569,000 |
| Noninterest income | 150,000 | 28,000 | 412,000 | 557,000 |
| Noninterest expense | 868,000 | 1,723,000 | 2,623,000 | 3,581,000 |
| Provision for loan losses | 501,000 | 501,000 | 1,351,000 | 1,450,000 |
| Pretax income | 1,063,000 | 2,594,000 | 4,607,000 | 6,129,000 |
| Income tax | 394,000 | 966,000 | 1,721,000 | 1,991,000 |
| Net income | 669,000 | 1,628,000 | 2,886,000 | 4,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,818,000 | 20,777,000 | 22,035,000 | 23,287,000 |
| Total capital | 21,387,000 | 22,420,000 | 24,492,000 | 25,940,000 |
| Risk-weighted assets | 191,108,000 | 202,935,000 | 196,488,000 | 212,101,000 |