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	Sep 30, 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	-	111.78	113.23	112.4	105.14	72.45
Total Investments	-	111.78	113.23	112.4	105.14	72.45
Gross Loans	-	469.67	456.99	430.73	374.48	344.23
Allowance for Loan Losses	-	-6.38	-6.38	-6.41	-9.03	-9.73
Net Loans	-	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	-	11.38	11.63	11.72	11.37	11.19
Total Assets	-	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	-	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	-	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	-	26	28.2	13.2	20.7	20.7
Other Long-Term Liabilities	-	3.46	3.56	3.66	8.33	8.61
Total Liabilities	-	527.07	517.27	505.48	445.49	368.81
Common Stock	-	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	-	95.18	92.44	90.79	87.23	81.53
Total Liabilities & Equity	-	622.25	609.71	596.27	532.72	450.34
Total Debt	-	60.3	72.27	13.2	20.7	34.9
Net Cash (Debt)	-	-51.21	-65.51	-5.9	-14.3	-27.24
Net Cash Per Share	-	-19.71	-25.27	-2.23	-5.41	-10.35
Filing Date Shares Outstanding	2.55	2.58	2.6	2.55	2.54	2.51
Total Common Shares Outstanding	2.55	2.58	2.58	2.54	2.53	2.53
Book Value Per Share	-	36.86	35.87	35.78	34.54	32.29
Tangible Book Value	-	93.6	90.78	89.05	85.41	79.62
Tangible Book Value Per Share	-	36.24	35.23	35.10	33.82	31.53

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