Call reports 2007
MIDCAROLINA BANK — 2007
What MIDCAROLINA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 436,056,000 | 453,959,000 | 464,659,000 | 468,863,000 |
| Total loans | 328,085,000 | 348,843,000 | 363,382,000 | 372,537,000 |
| Allowance for loan losses | 4,212,000 | 4,226,000 | 4,142,000 | 4,462,000 |
| Securities available for sale | 74,990,000 | 71,199,000 | 70,183,000 | 70,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,023,000 | 370,601,000 | 384,579,000 | 373,897,000 |
| Interest-bearing deposits | 325,079,000 | 334,428,000 | 350,543,000 | 343,329,000 |
| Noninterest-bearing deposits | 38,943,000 | 36,173,000 | 34,036,000 | 30,568,000 |
| Equity capital | 38,036,000 | 37,867,000 | 39,305,000 | 41,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,302,000 | 14,974,000 | 23,027,000 | 31,053,000 |
| Interest expense | 3,919,000 | 8,111,000 | 12,567,000 | 16,987,000 |
| Net interest income | 3,383,000 | 6,863,000 | 10,460,000 | 14,066,000 |
| Noninterest income | 562,000 | 1,256,000 | 1,899,000 | 3,046,000 |
| Noninterest expense | 2,367,000 | 4,763,000 | 7,074,000 | 8,724,000 |
| Provision for loan losses | 0 | 0 | 0 | 425,000 |
| Pretax income | 1,577,000 | 3,357,000 | 5,288,000 | 7,971,000 |
| Income tax | 425,000 | 904,000 | 1,564,000 | 2,462,000 |
| Net income | 1,152,000 | 2,453,000 | 3,724,000 | 5,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,203,000 | 39,215,000 | 40,098,000 | 41,696,000 |
| Total capital | 42,415,000 | 43,441,000 | 44,240,000 | 46,158,000 |
| Risk-weighted assets | 367,239,000 | 383,876,000 | 399,758,000 | 402,224,000 |