Call reports 2005
MIDDLEFIELD BANKING COMPANY, THE — 2005
What MIDDLEFIELD BANKING COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 297,678,000 | 302,982,000 | 304,399,000 | 310,280,000 |
| Total loans | 218,470,000 | 223,486,000 | 225,851,000 | 234,055,000 |
| Allowance for loan losses | 2,686,000 | 2,677,000 | 2,736,000 | 2,841,000 |
| Securities available for sale | 57,028,000 | 60,075,000 | 59,556,000 | 57,487,000 |
| Securities held to maturity | 221,000 | 221,000 | 221,000 | 221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,826,000 | 249,441,000 | 248,331,000 | 249,799,000 |
| Interest-bearing deposits | 213,839,000 | 211,087,000 | 209,494,000 | 209,667,000 |
| Noninterest-bearing deposits | 35,987,000 | 38,354,000 | 38,837,000 | 40,132,000 |
| Equity capital | 24,859,000 | 25,978,000 | 26,149,000 | 25,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,121,000 | 8,404,000 | 12,832,000 | 17,400,000 |
| Interest expense | 1,535,000 | 3,156,000 | 4,814,000 | 6,627,000 |
| Net interest income | 2,586,000 | 5,248,000 | 8,018,000 | 10,773,000 |
| Noninterest income | 476,000 | 999,000 | 1,559,000 | 2,112,000 |
| Noninterest expense | 1,972,000 | 3,745,000 | 5,598,000 | 7,261,000 |
| Provision for loan losses | 60,000 | 120,000 | 195,000 | 302,000 |
| Pretax income | 1,030,000 | 2,382,000 | 3,784,000 | 5,322,000 |
| Income tax | 281,000 | 660,000 | 1,060,000 | 1,485,000 |
| Net income | 749,000 | 1,722,000 | 2,724,000 | 3,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,283,000 | 25,980,000 | 26,483,000 | 26,646,000 |
| Total capital | 27,741,000 | 28,418,000 | 29,058,000 | 29,296,000 |
| Risk-weighted assets | 196,449,000 | 194,762,000 | 205,399,000 | 211,781,000 |