Call reports 2003
MADISON BANK — 2003
What MADISON 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 | 192,498,000 | 196,843,000 | 197,445,000 | 204,916,000 |
| Total loans | 163,315,000 | 165,837,000 | 168,952,000 | 171,861,000 |
| Allowance for loan losses | 2,185,000 | 2,306,000 | 2,420,000 | 2,449,000 |
| Securities available for sale | 21,394,000 | 18,791,000 | 19,008,000 | 20,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,769,000 | 158,122,000 | 157,556,000 | 158,155,000 |
| Interest-bearing deposits | 139,782,000 | 136,577,000 | 135,015,000 | 127,382,000 |
| Noninterest-bearing deposits | 18,987,000 | 21,545,000 | 22,541,000 | 30,773,000 |
| Equity capital | 17,030,000 | 17,311,000 | 17,809,000 | 18,502,000 |
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 | 3,036,000 | 6,017,000 | 9,016,000 | 12,034,000 |
| Interest expense | 1,003,000 | 1,946,000 | 2,858,000 | 3,728,000 |
| Net interest income | 2,033,000 | 4,071,000 | 6,158,000 | 8,306,000 |
| Noninterest income | 542,000 | 946,000 | 1,489,000 | 1,802,000 |
| Noninterest expense | 1,511,000 | 3,046,000 | 4,611,000 | 5,990,000 |
| Provision for loan losses | 122,000 | 243,000 | 365,000 | 405,000 |
| Pretax income | 942,000 | 1,728,000 | 2,671,000 | 3,713,000 |
| Income tax | 358,000 | 657,000 | 1,015,000 | 1,411,000 |
| Net income | 584,000 | 1,071,000 | 1,656,000 | 2,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,765,000 | 17,053,000 | 17,638,000 | 18,360,000 |
| Total capital | 18,906,000 | 19,240,000 | 19,875,000 | 20,629,000 |
| Risk-weighted assets | 171,247,000 | 174,820,000 | 178,789,000 | 181,332,000 |