Call reports 2025
MADISON COUNTY BANK — 2025
What MADISON COUNTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 605,472,000 | 608,907,000 | 613,123,000 | 626,368,000 |
| Total loans | 458,489,000 | 460,291,000 | 463,956,000 | 472,945,000 |
| Allowance for loan losses | 6,376,000 | 6,374,000 | 6,375,000 | 6,381,000 |
| Securities available for sale | 19,515,000 | 19,987,000 | 19,662,000 | 23,674,000 |
| Securities held to maturity | 92,754,000 | 92,576,000 | 91,853,000 | 90,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,299,000 | 466,153,000 | 459,859,000 | 457,060,000 |
| Interest-bearing deposits | 426,756,000 | 419,158,000 | 414,028,000 | 406,430,000 |
| Noninterest-bearing deposits | 51,543,000 | 46,995,000 | 45,831,000 | 50,630,000 |
| Equity capital | 87,531,000 | 88,413,000 | 89,536,000 | 90,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,003,000 | 14,307,000 | 21,784,000 | 29,359,000 |
| Interest expense | 3,604,000 | 7,328,000 | 11,148,000 | 14,737,000 |
| Net interest income | 3,399,000 | 6,979,000 | 10,636,000 | 14,622,000 |
| Noninterest income | 666,000 | 1,358,000 | 2,195,000 | 3,087,000 |
| Noninterest expense | 2,308,000 | 4,830,000 | 7,287,000 | 9,949,000 |
| Provision for loan losses | -2,000 | -4,000 | -3,000 | 3,000 |
| Pretax income | 1,754,000 | 3,509,000 | 5,545,000 | 7,755,000 |
| Income tax | 242,000 | 492,000 | 806,000 | 1,175,000 |
| Net income | 1,512,000 | 3,017,000 | 4,739,000 | 6,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,111,000 | 87,879,000 | 88,869,000 | 89,913,000 |
| Total capital | 93,253,000 | 94,034,000 | 95,097,000 | 96,285,000 |
| Risk-weighted assets | 491,090,000 | 492,125,000 | 498,120,000 | 513,998,000 |