Call reports 2008
MADISONVILLE STATE BANK — 2008
What MADISONVILLE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 258,155,000 | 261,936,000 | 254,436,000 | 244,411,000 |
| Total loans | 204,110,000 | 205,050,000 | 210,753,000 | 208,395,000 |
| Allowance for loan losses | 2,781,000 | 2,766,000 | 2,530,000 | 3,017,000 |
| Securities available for sale | 43,381,000 | 41,875,000 | 15,945,000 | 12,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 3,540,000 | 3,865,000 | 0 | 0 |
| Total deposits | 154,113,000 | 168,763,000 | 177,691,000 | 189,830,000 |
| Interest-bearing deposits | 138,189,000 | 152,630,000 | 160,552,000 | 173,574,000 |
| Noninterest-bearing deposits | 15,924,000 | 16,133,000 | 17,139,000 | 16,256,000 |
| Equity capital | 24,767,000 | 26,530,000 | 17,886,000 | 22,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,972,000 | 8,417,000 | 14,221,000 | 18,080,000 |
| Interest expense | 1,732,000 | 3,489,000 | 5,206,000 | 6,838,000 |
| Net interest income | 2,240,000 | 4,928,000 | 9,015,000 | 11,242,000 |
| Noninterest income | 583,000 | 1,135,000 | 1,390,000 | 1,566,000 |
| Noninterest expense | 1,067,000 | 2,171,000 | 3,188,000 | 4,604,000 |
| Provision for loan losses | 0 | 0 | 0 | 600,000 |
| Pretax income | 1,756,000 | 3,892,000 | -19,677,000 | -20,919,000 |
| Income tax | 502,000 | 1,137,000 | -7,415,000 | -7,724,000 |
| Net income | 1,254,000 | 2,755,000 | -12,262,000 | -13,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,078,000 | 26,579,000 | 14,337,000 | 18,533,000 |
| Total capital | 28,010,000 | 29,426,000 | 16,863,000 | 20,964,000 |
| Risk-weighted assets | 213,756,000 | 209,927,000 | 202,061,000 | 193,898,000 |