Call reports 2004
MADISON BANK — 2004
What MADISON BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 215,155,000 | 225,755,000 |
| Total loans | 179,315,000 | 187,111,000 |
| Allowance for loan losses | 2,461,000 | 2,461,000 |
| Securities available for sale | 21,519,000 | 18,923,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 175,384,000 | 185,717,000 |
| Interest-bearing deposits | 143,700,000 | 155,479,000 |
| Noninterest-bearing deposits | 31,684,000 | 30,238,000 |
| Equity capital | 19,069,000 | 19,842,000 |
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 |
|---|---|---|
| Interest income | 2,910,000 | 5,938,000 |
| Interest expense | 875,000 | 1,768,000 |
| Net interest income | 2,035,000 | 4,170,000 |
| Noninterest income | 231,000 | 583,000 |
| Noninterest expense | 1,449,000 | 2,903,000 |
| Provision for loan losses | 18,000 | 18,000 |
| Pretax income | 799,000 | 1,832,000 |
| Income tax | 304,000 | 696,000 |
| Net income | 495,000 | 1,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 18,887,000 | 19,823,000 |
| Total capital | 21,286,000 | 22,284,000 |
| Risk-weighted assets | 191,839,000 | 203,241,000 |