Call reports 2005
MADISONVILLE STATE BANK — 2005
What MADISONVILLE STATE 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 | 231,053,000 | 206,228,000 | 199,721,000 | 190,720,000 |
| Total loans | 188,347,000 | 165,443,000 | 162,434,000 | 154,693,000 |
| Allowance for loan losses | 2,771,000 | 2,771,000 | 2,782,000 | 2,783,000 |
| Securities available for sale | 29,932,000 | 30,007,000 | 28,254,000 | 27,942,000 |
| Securities held to maturity | 3,070,000 | 3,069,000 | 2,523,000 | 1,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,561,000 | 152,425,000 | 147,780,000 | 144,923,000 |
| Interest-bearing deposits | 139,073,000 | 140,064,000 | 134,310,000 | 130,527,000 |
| Noninterest-bearing deposits | 11,488,000 | 12,361,000 | 13,470,000 | 14,396,000 |
| Equity capital | 24,348,000 | 25,400,000 | 26,122,000 | 26,954,000 |
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 | 3,610,000 | 7,094,000 | 10,438,000 | 13,853,000 |
| Interest expense | 1,107,000 | 2,247,000 | 3,343,000 | 4,483,000 |
| Net interest income | 2,503,000 | 4,847,000 | 7,095,000 | 9,370,000 |
| Noninterest income | 161,000 | 321,000 | 484,000 | 657,000 |
| Noninterest expense | 822,000 | 1,717,000 | 2,722,000 | 3,523,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,842,000 | 3,451,000 | 4,857,000 | 6,504,000 |
| Income tax | 691,000 | 1,294,000 | 1,820,000 | 2,440,000 |
| Net income | 1,151,000 | 2,157,000 | 3,037,000 | 4,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,438,000 | 25,444,000 | 26,324,000 | 27,351,000 |
| Total capital | 26,960,000 | 27,672,000 | 28,514,000 | 29,448,000 |
| Risk-weighted assets | 201,472,000 | 177,700,000 | 174,594,000 | 167,082,000 |