Call reports 2009
MIDCAROLINA BANK — 2009
What MIDCAROLINA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 552,702,000 | 549,424,000 | 557,491,000 | 540,408,000 |
| Total loans | 449,291,000 | 443,631,000 | 442,715,000 | 438,315,000 |
| Allowance for loan losses | 6,198,000 | 6,482,000 | 6,867,000 | 7,307,000 |
| Securities available for sale | 61,860,000 | 69,969,000 | 71,462,000 | 70,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 480,827,000 | 475,745,000 | 481,868,000 | 465,020,000 |
| Interest-bearing deposits | 443,240,000 | 436,221,000 | 402,419,000 | 427,263,000 |
| Noninterest-bearing deposits | 37,587,000 | 39,524,000 | 79,449,000 | 37,757,000 |
| Equity capital | 44,924,000 | 46,797,000 | 48,438,000 | 48,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,803,000 | 13,749,000 | 20,755,000 | 27,551,000 |
| Interest expense | 2,903,000 | 5,502,000 | 7,873,000 | 10,090,000 |
| Net interest income | 3,900,000 | 8,247,000 | 12,882,000 | 17,461,000 |
| Noninterest income | 653,000 | 1,325,000 | 2,050,000 | 2,492,000 |
| Noninterest expense | 2,805,000 | 5,915,000 | 8,766,000 | 11,892,000 |
| Provision for loan losses | 1,135,000 | 1,935,000 | 2,885,000 | 4,455,000 |
| Pretax income | 747,000 | 1,739,000 | 3,255,000 | 3,553,000 |
| Income tax | 202,000 | 387,000 | 871,000 | 818,000 |
| Net income | 545,000 | 1,352,000 | 2,384,000 | 2,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,860,000 | 47,711,000 | 48,288,000 | 48,436,000 |
| Total capital | 52,785,000 | 53,588,000 | 54,160,000 | 54,197,000 |
| Risk-weighted assets | 473,762,000 | 470,095,000 | 468,762,000 | 459,344,000 |
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