Call reports 2004
MIDDLEFIELD BANKING COMPANY, THE — 2004
What MIDDLEFIELD BANKING COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 273,074,000 | 279,792,000 | 288,204,000 | 290,201,000 |
| Total loans | 201,925,000 | 203,103,000 | 209,257,000 | 215,662,000 |
| Allowance for loan losses | 2,545,000 | 2,595,000 | 2,627,000 | 2,623,000 |
| Securities available for sale | 49,233,000 | 54,754,000 | 55,278,000 | 56,843,000 |
| Securities held to maturity | 1,312,000 | 748,000 | 562,000 | 221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,013,000 | 236,414,000 | 238,887,000 | 240,115,000 |
| Interest-bearing deposits | 198,593,000 | 201,065,000 | 203,629,000 | 203,554,000 |
| Noninterest-bearing deposits | 30,421,000 | 35,349,000 | 35,258,000 | 36,561,000 |
| Equity capital | 23,375,000 | 23,253,000 | 24,351,000 | 24,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,796,000 | 7,680,000 | 11,653,000 | 15,757,000 |
| Interest expense | 1,383,000 | 2,795,000 | 4,252,000 | 5,782,000 |
| Net interest income | 2,413,000 | 4,885,000 | 7,401,000 | 9,975,000 |
| Noninterest income | 399,000 | 889,000 | 1,377,000 | 1,871,000 |
| Noninterest expense | 1,758,000 | 3,373,000 | 5,155,000 | 6,808,000 |
| Provision for loan losses | 30,000 | 60,000 | 111,000 | 174,000 |
| Pretax income | 1,024,000 | 2,341,000 | 3,512,000 | 4,766,000 |
| Income tax | 316,000 | 686,000 | 1,016,000 | 1,376,000 |
| Net income | 708,000 | 1,655,000 | 2,496,000 | 3,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,957,000 | 23,643,000 | 24,198,000 | 24,809,000 |
| Total capital | 25,081,000 | 25,811,000 | 26,422,000 | 27,193,000 |
| Risk-weighted assets | 169,547,000 | 173,020,000 | 177,532,000 | 190,487,000 |