Madison County Financial, Inc. (MCBK)

Madison County Financial Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	-	6.51	6.3	5.16	6.16	6
Investment Securities	120.63	113.23	112.4	105.14	72.45	72.81
Total Investments	120.63	113.23	112.4	105.14	72.45	72.81
Gross Loans	-	456.99	430.73	374.48	344.23	329.18
Allowance for Loan Losses	-	-6.38	-6.41	-9.03	-9.73	-9.73
Net Loans	-	450.61	424.33	365.45	334.5	319.45
Property, Plant & Equipment	-	9.2	9.49	9.81	10.12	7.89
Goodwill	-	1.2	1.2	1.2	1.2	1.2
Other Intangible Assets	-	0.46	0.54	0.62	0.71	0.85
Loans Held for Sale	442.52	-	-	-	0.3	0.22
Accrued Interest Receivable	-	7.28	5.33	4.42	4.66	5.78
Restricted Cash	-	0.06	17.33	21.37	-	-
Long-Term Deferred Tax Assets	-	1.17	1.22	1.59	1.36	1.13
Other Long-Term Assets	35.74	11.29	11.72	11.37	11.19	10.8
Total Assets	598.89	609.71	596.27	532.72	450.34	429.46
Accrued Expenses	-	3.28	3.29	3.06	2.82	2.53
Interest Bearing Deposits	-	395.34	437.76	367.01	277.74	257.15
Institutional Deposits	-	0.25	0.25	2.12	2.11	2.06
Non-Interest Bearing Deposits	-	42.21	47.24	44.18	42.53	34.08
Total Deposits	-	437.8	485.25	413.31	322.38	293.3
Short-Term Borrowings	-	44.07	-	-	14.2	44.3
Accrued Interest Payable	-	0.37	0.08	0.08	0.11	0.28
Federal Home Loan Bank Debt, Long-Term	-	28.2	13.2	20.7	20.7	8.5
Other Long-Term Liabilities	504.18	3.56	3.66	8.33	8.61	3.43
Total Liabilities	504.18	517.27	505.48	445.49	368.81	352.34
Common Stock	94.7	0.03	0.03	0.03	0.03	0.03
Additional Paid-In Capital	-	20.48	20.56	21.33	21.28	22.54
Retained Earnings	-	74.72	73.32	67.39	61.56	56.18
Comprehensive Income & Other	-	-2.78	-3.11	-1.51	-1.34	-1.62
Shareholders' Equity	94.7	92.44	90.79	87.23	81.53	77.12
Total Liabilities & Equity	598.89	609.71	596.27	532.72	450.34	429.46
Total Debt	-	72.27	13.2	20.7	34.9	52.8
Net Cash (Debt)	-	-65.51	-5.9	-14.3	-27.24	-44.8
Net Cash Per Share	-	-25.27	-2.23	-5.41	-10.35	-16.82
Filing Date Shares Outstanding	2.6	2.6	2.55	2.54	2.51	2.56
Total Common Shares Outstanding	2.6	2.58	2.54	2.53	2.53	2.57
Book Value Per Share	36.42	35.87	35.78	34.54	32.29	30.05
Tangible Book Value	94.7	90.78	89.05	85.41	79.62	75.08
Tangible Book Value Per Share	36.42	35.23	35.10	33.82	31.53	29.25

Source: S&P Capital IQ. Banks template. Financial Sources.