Call reports 2003
MADISON BANK, THE — 2003
What MADISON BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 209,812,000 | 227,468,000 | 211,575,000 | 208,672,000 |
| Total loans | 173,229,000 | 190,929,000 | 183,210,000 | 176,678,000 |
| Allowance for loan losses | 1,313,000 | 1,303,000 | 1,216,000 | 1,212,000 |
| Securities available for sale | 12,559,000 | 10,584,000 | 11,307,000 | 9,675,000 |
| Securities held to maturity | 170,000 | 0 | 0 | 5,882,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,123,000 | 209,142,000 | 192,439,000 | 184,355,000 |
| Interest-bearing deposits | 155,794,000 | 159,008,000 | 151,958,000 | 143,965,000 |
| Noninterest-bearing deposits | 36,329,000 | 50,134,000 | 40,481,000 | 40,390,000 |
| Equity capital | 16,898,000 | 17,177,000 | 17,675,000 | 18,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,100,000 | 6,494,000 | 9,895,000 | 13,104,000 |
| Interest expense | 911,000 | 1,780,000 | 2,592,000 | 3,362,000 |
| Net interest income | 2,189,000 | 4,714,000 | 7,303,000 | 9,742,000 |
| Noninterest income | 1,789,000 | 4,165,000 | 6,713,000 | 8,717,000 |
| Noninterest expense | 3,547,000 | 7,422,000 | 11,495,000 | 15,118,000 |
| Provision for loan losses | 120,000 | 270,000 | 400,000 | 520,000 |
| Pretax income | 362,000 | 1,257,000 | 2,198,000 | 2,898,000 |
| Income tax | 65,000 | 340,000 | 642,000 | 907,000 |
| Net income | 297,000 | 917,000 | 1,556,000 | 1,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,750,000 | 16,970,000 | 17,610,000 | 18,044,000 |
| Total capital | 18,063,000 | 18,273,000 | 18,826,000 | 19,256,000 |
| Risk-weighted assets | 157,147,000 | 156,605,000 | 151,819,000 | 152,625,000 |