Call reports 2016
MADISON COUNTY BANK — 2016
What MADISON COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 353,772,000 | 349,861,000 | 352,020,000 | 362,977,000 |
| Total loans | 279,453,000 | 272,576,000 | 272,680,000 | 277,475,000 |
| Allowance for loan losses | 9,061,000 | 9,271,000 | 9,361,000 | 9,450,000 |
| Securities available for sale | 12,159,000 | 12,486,000 | 12,058,000 | 14,729,000 |
| Securities held to maturity | 44,889,000 | 47,121,000 | 49,081,000 | 49,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,618,000 | 250,057,000 | 244,959,000 | 251,488,000 |
| Interest-bearing deposits | 228,864,000 | 225,091,000 | 221,240,000 | 225,006,000 |
| Noninterest-bearing deposits | 29,754,000 | 24,966,000 | 23,719,000 | 26,482,000 |
| Equity capital | 63,654,000 | 64,102,000 | 65,475,000 | 65,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,685,000 | 7,427,000 | 11,113,000 | 14,793,000 |
| Interest expense | 518,000 | 1,037,000 | 1,563,000 | 2,090,000 |
| Net interest income | 3,167,000 | 6,390,000 | 9,550,000 | 12,703,000 |
| Noninterest income | 592,000 | 1,123,000 | 1,859,000 | 2,616,000 |
| Noninterest expense | 2,062,000 | 4,008,000 | 6,038,000 | 8,187,000 |
| Provision for loan losses | 315,000 | 525,000 | 615,000 | 705,000 |
| Pretax income | 1,399,000 | 3,028,000 | 4,809,000 | 6,481,000 |
| Income tax | 375,000 | 821,000 | 1,316,000 | 1,780,000 |
| Net income | 1,024,000 | 2,207,000 | 3,493,000 | 4,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,276,000 | 61,773,000 | 63,221,000 | 63,434,000 |
| Total capital | 65,909,000 | 66,352,000 | 68,061,000 | 67,566,000 |
| Risk-weighted assets | 366,291,000 | 361,628,000 | 382,690,000 | 325,299,000 |