Call reports 2014
MADISON COUNTY BANK — 2014
What MADISON COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 287,570,000 | 291,028,000 | 301,873,000 | 314,314,000 |
| Total loans | 223,295,000 | 230,853,000 | 241,606,000 | 253,514,000 |
| Allowance for loan losses | 6,456,000 | 6,741,000 | 7,101,000 | 7,413,000 |
| Securities available for sale | 11,342,000 | 10,986,000 | 10,474,000 | 9,494,000 |
| Securities held to maturity | 34,516,000 | 35,290,000 | 34,871,000 | 34,012,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,588,000 | 223,294,000 | 219,111,000 | 217,875,000 |
| Interest-bearing deposits | 198,862,000 | 197,624,000 | 192,837,000 | 189,558,000 |
| Noninterest-bearing deposits | 26,726,000 | 25,670,000 | 26,274,000 | 28,317,000 |
| Equity capital | 51,770,000 | 52,076,000 | 53,112,000 | 54,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,031,000 | 6,149,000 | 9,309,000 | 12,609,000 |
| Interest expense | 436,000 | 885,000 | 1,338,000 | 1,791,000 |
| Net interest income | 2,595,000 | 5,264,000 | 7,971,000 | 10,818,000 |
| Noninterest income | 398,000 | 843,000 | 1,409,000 | 1,855,000 |
| Noninterest expense | 1,978,000 | 3,637,000 | 5,319,000 | 7,178,000 |
| Provision for loan losses | 285,000 | 570,000 | 930,000 | 1,245,000 |
| Pretax income | 732,000 | 1,899,000 | 3,132,000 | 4,251,000 |
| Income tax | 171,000 | 512,000 | 836,000 | 1,139,000 |
| Net income | 561,000 | 1,387,000 | 2,296,000 | 3,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,511,000 | 50,761,000 | 51,833,000 | 52,871,000 |
| Total capital | 54,135,000 | 54,499,000 | 55,759,000 | 56,967,000 |
| Risk-weighted assets | 287,061,000 | 296,039,000 | 310,902,000 | 324,349,000 |