Madison County Financial, Inc. (MCBK)

Madison County Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	-	9.09	6.51	6.3	5.16	6.16
Investment Securities	119.47	111.78	113.23	112.4	105.14	72.45
Total Investments	119.47	111.78	113.23	112.4	105.14	72.45
Gross Loans	458.49	469.67	456.99	430.73	374.48	344.23
Allowance for Loan Losses	-6.38	-6.38	-6.38	-6.41	-9.03	-9.73
Net Loans	452.11	463.29	450.61	424.33	365.45	334.5
Property, Plant & Equipment	-	8.9	9.2	9.49	9.81	10.12
Goodwill	-	1.2	1.2	1.2	1.2	1.2
Other Intangible Assets	-	0.38	0.46	0.54	0.62	0.71
Loans Held for Sale	-	-	-	-	-	0.3
Accrued Interest Receivable	-	7.22	7.28	5.33	4.42	4.66
Restricted Cash	-	0.07	0.06	17.33	21.37	-
Long-Term Deferred Tax Assets	-	0.83	0.83	1.22	1.59	1.36
Other Long-Term Assets	34	11.38	11.63	11.72	11.37	11.19
Total Assets	605.57	622.25	609.71	596.27	532.72	450.34
Accrued Expenses	-	3.47	3.28	3.29	3.06	2.82
Interest Bearing Deposits	467.44	411.94	395.34	437.76	367.01	277.74
Institutional Deposits	-	1.9	0.25	0.25	2.12	2.11
Non-Interest Bearing Deposits	-	45.63	42.21	47.24	44.18	42.53
Total Deposits	467.44	459.46	437.8	485.25	413.31	322.38
Short-Term Borrowings	-	31.1	44.07	-	-	14.2
Current Portion of Long-Term Debt	-	3.2	-	-	-	-
Accrued Interest Payable	-	0.37	0.37	0.08	0.08	0.11
Federal Home Loan Bank Debt, Long-Term	33.2	26	28.2	13.2	20.7	20.7
Other Long-Term Liabilities	8.11	3.46	3.56	3.66	8.33	8.61
Total Liabilities	508.75	527.07	517.27	505.48	445.49	368.81
Common Stock	96.82	0.03	0.03	0.03	0.03	0.03
Additional Paid-In Capital	-	20	20.48	20.56	21.33	21.28
Retained Earnings	-	77.76	74.72	73.32	67.39	61.56
Comprehensive Income & Other	-	-2.6	-2.78	-3.11	-1.51	-1.34
Shareholders' Equity	96.82	95.18	92.44	90.79	87.23	81.53
Total Liabilities & Equity	605.57	622.25	609.71	596.27	532.72	450.34
Total Debt	33.2	60.3	72.27	13.2	20.7	34.9
Net Cash (Debt)	-33.2	-51.21	-65.51	-5.9	-14.3	-27.24
Net Cash Per Share	-12.81	-19.71	-25.27	-2.23	-5.41	-10.35
Filing Date Shares Outstanding	2.57	2.58	2.6	2.55	2.54	2.51
Total Common Shares Outstanding	2.58	2.58	2.58	2.54	2.53	2.53
Book Value Per Share	37.58	36.86	35.87	35.78	34.54	32.29
Tangible Book Value	96.82	93.6	90.78	89.05	85.41	79.62
Tangible Book Value Per Share	37.58	36.24	35.23	35.10	33.82	31.53

Source: S&P Global Market Intelligence. Banks template. Financial Sources.