Call reports 2023
MADISON COUNTY BANK — 2023
What MADISON COUNTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 623,228,000 | 585,217,000 | 594,500,000 | 609,654,000 |
| Total loans | 419,878,000 | 428,861,000 | 442,270,000 | 456,990,000 |
| Allowance for loan losses | 6,368,000 | 6,368,000 | 6,368,000 | 6,380,000 |
| Securities available for sale | 17,035,000 | 16,977,000 | 17,474,000 | 18,636,000 |
| Securities held to maturity | 96,507,000 | 96,194,000 | 95,805,000 | 94,418,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 520,770,000 | 482,391,000 | 461,078,000 | 446,634,000 |
| Interest-bearing deposits | 460,532,000 | 432,489,000 | 411,972,000 | 393,245,000 |
| Noninterest-bearing deposits | 60,238,000 | 49,902,000 | 49,106,000 | 53,389,000 |
| Equity capital | 83,338,000 | 83,385,000 | 83,546,000 | 84,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,070,000 | 12,215,000 | 18,426,000 | 24,936,000 |
| Interest expense | 3,408,000 | 7,087,000 | 11,012,000 | 15,098,000 |
| Net interest income | 2,662,000 | 5,128,000 | 7,414,000 | 9,838,000 |
| Noninterest income | 534,000 | 1,102,000 | 1,750,000 | 3,167,000 |
| Noninterest expense | 2,380,000 | 4,885,000 | 7,248,000 | 9,678,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 56,000 |
| Pretax income | 679,000 | 1,208,000 | 1,779,000 | 3,195,000 |
| Income tax | 7,000 | -10,000 | -34,000 | -20,000 |
| Net income | 672,000 | 1,218,000 | 1,813,000 | 3,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,227,000 | 83,352,000 | 83,850,000 | 84,702,000 |
| Total capital | 88,890,000 | 89,095,000 | 89,807,000 | 90,794,000 |
| Risk-weighted assets | 452,309,000 | 458,792,000 | 476,073,000 | 487,047,000 |