Call reports 2012
MADISON COUNTY BANK — 2012
What MADISON COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 233,034,000 | 233,919,000 | 256,430,000 | 267,725,000 |
| Total loans | 177,447,000 | 186,809,000 | 196,658,000 | 212,258,000 |
| Allowance for loan losses | 4,221,000 | 4,295,000 | 4,545,000 | 4,941,000 |
| Securities available for sale | 11,509,000 | 9,942,000 | 7,907,000 | 8,982,000 |
| Securities held to maturity | 17,383,000 | 20,476,000 | 23,273,000 | 25,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,690,000 | 193,107,000 | 213,614,000 | 209,517,000 |
| Interest-bearing deposits | 175,491,000 | 177,278,000 | 171,573,000 | 177,532,000 |
| Noninterest-bearing deposits | 17,199,000 | 15,829,000 | 42,041,000 | 31,985,000 |
| Equity capital | 31,087,000 | 32,017,000 | 32,984,000 | 48,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,104,000 | 5,882,000 | 8,788,000 | 11,775,000 |
| Interest expense | 458,000 | 923,000 | 1,407,000 | 1,855,000 |
| Net interest income | 2,646,000 | 4,959,000 | 7,381,000 | 9,920,000 |
| Noninterest income | 479,000 | 934,000 | 1,516,000 | 2,031,000 |
| Noninterest expense | 1,379,000 | 2,777,000 | 4,181,000 | 5,868,000 |
| Provision for loan losses | 110,000 | 185,000 | 435,000 | 830,000 |
| Pretax income | 1,636,000 | 2,931,000 | 4,269,000 | 5,224,000 |
| Income tax | 508,000 | 891,000 | 1,285,000 | 1,561,000 |
| Net income | 1,128,000 | 2,040,000 | 2,984,000 | 3,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,575,000 | 30,524,000 | 31,216,000 | 46,948,000 |
| Total capital | 32,215,000 | 33,297,000 | 34,242,000 | 50,196,000 |
| Risk-weighted assets | 209,657,000 | 220,323,000 | 240,584,000 | 258,164,000 |