Call reports 2015
MADISON COUNTY BANK — 2015
What MADISON COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 306,281,000 | 318,210,000 | 324,515,000 | 360,353,000 |
| Total loans | 246,792,000 | 255,970,000 | 257,445,000 | 285,220,000 |
| Allowance for loan losses | 7,801,000 | 8,116,000 | 8,431,000 | 8,746,000 |
| Securities available for sale | 10,167,000 | 11,121,000 | 10,867,000 | 11,545,000 |
| Securities held to maturity | 36,455,000 | 37,683,000 | 40,776,000 | 43,573,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,470,000 | 229,195,000 | 227,782,000 | 251,104,000 |
| Interest-bearing deposits | 205,747,000 | 204,697,000 | 202,157,000 | 218,608,000 |
| Noninterest-bearing deposits | 27,723,000 | 24,498,000 | 25,625,000 | 32,496,000 |
| Equity capital | 55,114,000 | 55,407,000 | 56,611,000 | 62,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,277,000 | 6,579,000 | 10,028,000 | 13,811,000 |
| Interest expense | 445,000 | 888,000 | 1,342,000 | 1,835,000 |
| Net interest income | 2,832,000 | 5,691,000 | 8,686,000 | 11,976,000 |
| Noninterest income | 493,000 | 1,038,000 | 1,617,000 | 2,154,000 |
| Noninterest expense | 1,838,000 | 3,602,000 | 5,427,000 | 7,605,000 |
| Provision for loan losses | 385,000 | 700,000 | 1,015,000 | 1,330,000 |
| Pretax income | 1,100,000 | 2,430,000 | 3,872,000 | 5,206,000 |
| Income tax | 294,000 | 665,000 | 1,064,000 | 1,422,000 |
| Net income | 806,000 | 1,765,000 | 2,808,000 | 3,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,164,000 | 54,518,000 | 55,696,000 | 60,427,000 |
| Total capital | 58,213,000 | 58,713,000 | 60,052,000 | 65,090,000 |
| Risk-weighted assets | 320,236,000 | 331,645,000 | 344,434,000 | 368,992,000 |