Call reports 2013
MADISON COUNTY BANK — 2013
What MADISON COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 291,303,000 | 279,903,000 | 276,983,000 | 290,095,000 |
| Total loans | 197,779,000 | 202,876,000 | 217,613,000 | 230,785,000 |
| Allowance for loan losses | 5,196,000 | 5,431,000 | 5,736,000 | 6,171,000 |
| Securities available for sale | 9,887,000 | 10,092,000 | 9,572,000 | 9,719,000 |
| Securities held to maturity | 27,919,000 | 30,584,000 | 34,679,000 | 34,144,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,588,000 | 220,748,000 | 217,309,000 | 216,802,000 |
| Interest-bearing deposits | 198,297,000 | 188,839,000 | 187,037,000 | 184,678,000 |
| Noninterest-bearing deposits | 32,291,000 | 31,909,000 | 30,272,000 | 32,124,000 |
| Equity capital | 49,436,000 | 49,156,000 | 49,974,000 | 50,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,878,000 | 5,709,000 | 8,628,000 | 11,681,000 |
| Interest expense | 436,000 | 864,000 | 1,292,000 | 1,722,000 |
| Net interest income | 2,442,000 | 4,845,000 | 7,336,000 | 9,959,000 |
| Noninterest income | 458,000 | 910,000 | 1,427,000 | 1,907,000 |
| Noninterest expense | 1,526,000 | 3,013,000 | 4,515,000 | 6,144,000 |
| Provision for loan losses | 255,000 | 510,000 | 815,000 | 1,250,000 |
| Pretax income | 1,130,000 | 2,244,000 | 3,441,000 | 4,473,000 |
| Income tax | 330,000 | 645,000 | 987,000 | 1,264,000 |
| Net income | 800,000 | 1,599,000 | 2,454,000 | 3,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,795,000 | 47,747,000 | 48,649,000 | 49,519,000 |
| Total capital | 51,021,000 | 51,039,000 | 52,150,000 | 53,182,000 |
| Risk-weighted assets | 256,124,000 | 261,244,000 | 277,872,000 | 290,497,000 |