Call reports 2024
MADISON COUNTY BANK — 2024
What MADISON COUNTY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 587,061,000 | 596,030,000 | 598,558,000 | 622,184,000 |
| Total loans | 438,737,000 | 448,137,000 | 448,899,000 | 469,665,000 |
| Allowance for loan losses | 6,374,000 | 6,374,000 | 6,375,000 | 6,378,000 |
| Securities available for sale | 18,500,000 | 18,951,000 | 18,595,000 | 18,714,000 |
| Securities held to maturity | 94,196,000 | 94,426,000 | 94,293,000 | 93,137,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,591,000 | 457,822,000 | 457,829,000 | 469,487,000 |
| Interest-bearing deposits | 415,676,000 | 410,575,000 | 412,110,000 | 411,556,000 |
| Noninterest-bearing deposits | 50,915,000 | 47,247,000 | 45,719,000 | 57,931,000 |
| Equity capital | 84,384,000 | 85,066,000 | 85,997,000 | 86,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,442,000 | 13,162,000 | 20,028,000 | 27,058,000 |
| Interest expense | 3,888,000 | 7,829,000 | 11,902,000 | 15,664,000 |
| Net interest income | 2,554,000 | 5,333,000 | 8,126,000 | 11,394,000 |
| Noninterest income | 542,000 | 1,125,000 | 1,902,000 | 2,579,000 |
| Noninterest expense | 2,389,000 | 4,643,000 | 7,095,000 | 9,722,000 |
| Provision for loan losses | -6,000 | -6,000 | -6,000 | -3,000 |
| Pretax income | 718,000 | 1,826,000 | 2,943,000 | 4,260,000 |
| Income tax | -24,000 | 104,000 | 246,000 | 397,000 |
| Net income | 742,000 | 1,722,000 | 2,697,000 | 3,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,296,000 | 84,924,000 | 85,428,000 | 86,164,000 |
| Total capital | 90,177,000 | 90,862,000 | 91,419,000 | 92,425,000 |
| Risk-weighted assets | 470,009,000 | 474,574,000 | 478,880,000 | 500,707,000 |