Madison County Financial, Inc. (MCBK)

Madison County Financial Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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	2.58	2.6	2.55	2.54	2.51
Total Common Shares Outstanding	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.