Call reports 2010
MIDCAROLINA BANK — 2010
What MIDCAROLINA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 564,748,000 | 561,047,000 | 551,696,000 | 531,535,000 |
| Total loans | 433,761,000 | 427,234,000 | 412,786,000 | 402,787,000 |
| Allowance for loan losses | 8,225,000 | 8,539,000 | 8,816,000 | 9,226,000 |
| Securities available for sale | 71,507,000 | 71,699,000 | 78,241,000 | 90,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 494,230,000 | 488,921,000 | 485,049,000 | 466,319,000 |
| Interest-bearing deposits | 453,387,000 | 449,179,000 | 475,132,000 | 458,088,000 |
| Noninterest-bearing deposits | 40,843,000 | 39,742,000 | 9,917,000 | 8,231,000 |
| Equity capital | 47,548,000 | 48,641,000 | 49,743,000 | 48,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,603,000 | 13,166,000 | 19,571,000 | 25,726,000 |
| Interest expense | 2,114,000 | 4,233,000 | 6,174,000 | 7,803,000 |
| Net interest income | 4,489,000 | 8,933,000 | 13,397,000 | 17,923,000 |
| Noninterest income | 633,000 | 1,108,000 | 1,730,000 | 1,964,000 |
| Noninterest expense | 2,819,000 | 5,760,000 | 8,801,000 | 12,207,000 |
| Provision for loan losses | 2,600,000 | 3,475,000 | 5,018,000 | 6,418,000 |
| Pretax income | -271,000 | 814,000 | 1,302,000 | 1,284,000 |
| Income tax | -113,000 | 169,000 | 186,000 | -13,000 |
| Net income | -158,000 | 645,000 | 1,116,000 | 1,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,089,000 | 48,769,000 | 49,096,000 | 49,321,000 |
| Total capital | 53,835,000 | 54,392,000 | 54,545,000 | 54,609,000 |
| Risk-weighted assets | 457,266,000 | 446,936,000 | 432,774,000 | 419,071,000 |
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