Call reports 2020
MADISON COUNTY BANK — 2020
What MADISON COUNTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 420,738,000 | 431,780,000 | 436,788,000 | 450,293,000 |
| Total loans | 328,851,000 | 336,058,000 | 338,604,000 | 344,530,000 |
| Allowance for loan losses | 9,826,000 | 9,901,000 | 9,976,000 | 9,731,000 |
| Securities available for sale | 23,590,000 | 20,642,000 | 15,569,000 | 14,022,000 |
| Securities held to maturity | 41,437,000 | 46,661,000 | 49,451,000 | 56,925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,938,000 | 311,109,000 | 307,173,000 | 326,178,000 |
| Interest-bearing deposits | 264,974,000 | 272,176,000 | 273,442,000 | 272,373,000 |
| Noninterest-bearing deposits | 29,964,000 | 38,933,000 | 33,731,000 | 53,805,000 |
| Equity capital | 75,604,000 | 77,145,000 | 77,598,000 | 78,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,693,000 | 9,157,000 | 13,570,000 | 17,949,000 |
| Interest expense | 1,049,000 | 1,730,000 | 2,414,000 | 3,089,000 |
| Net interest income | 3,644,000 | 7,427,000 | 11,156,000 | 14,860,000 |
| Noninterest income | 758,000 | 1,958,000 | 2,958,000 | 3,889,000 |
| Noninterest expense | 2,446,000 | 4,610,000 | 7,369,000 | 10,311,000 |
| Provision for loan losses | 100,000 | 175,000 | 250,000 | 5,000 |
| Pretax income | 1,856,000 | 4,600,000 | 6,495,000 | 8,433,000 |
| Income tax | 341,000 | 878,000 | 1,237,000 | 1,583,000 |
| Net income | 1,515,000 | 3,722,000 | 5,258,000 | 6,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,419,000 | 74,950,000 | 75,488,000 | 76,449,000 |
| Total capital | 78,348,000 | 79,976,000 | 80,608,000 | 81,661,000 |
| Risk-weighted assets | 389,473,000 | 397,264,000 | 404,796,000 | 412,507,000 |