Call reports 2006
MIDDLEFIELD BANKING COMPANY, THE — 2006
What MIDDLEFIELD BANKING COMPANY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 311,632,000 | 314,199,000 | 324,479,000 | 339,210,000 |
| Total loans | 235,787,000 | 240,403,000 | 244,852,000 | 249,191,000 |
| Allowance for loan losses | 2,888,000 | 2,953,000 | 3,049,000 | 2,849,000 |
| Securities available for sale | 55,487,000 | 53,972,000 | 54,375,000 | 62,309,000 |
| Securities held to maturity | 216,000 | 216,000 | 216,000 | 126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,746,000 | 254,730,000 | 264,953,000 | 279,315,000 |
| Interest-bearing deposits | 214,701,000 | 214,800,000 | 224,216,000 | 230,047,000 |
| Noninterest-bearing deposits | 40,045,000 | 39,931,000 | 40,737,000 | 49,268,000 |
| Equity capital | 26,468,000 | 26,691,000 | 28,117,000 | 28,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,567,000 | 9,362,000 | 14,341,000 | 19,510,000 |
| Interest expense | 1,883,000 | 3,930,000 | 6,156,000 | 8,595,000 |
| Net interest income | 2,684,000 | 5,432,000 | 8,185,000 | 10,915,000 |
| Noninterest income | 558,000 | 1,153,000 | 1,798,000 | 2,443,000 |
| Noninterest expense | 2,009,000 | 3,838,000 | 5,826,000 | 7,756,000 |
| Provision for loan losses | 75,000 | 150,000 | 240,000 | 60,000 |
| Pretax income | 1,152,000 | 2,591,000 | 3,911,000 | 5,536,000 |
| Income tax | 308,000 | 729,000 | 1,068,000 | 1,533,000 |
| Net income | 844,000 | 1,862,000 | 2,843,000 | 4,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,186,000 | 27,901,000 | 28,554,000 | 29,372,000 |
| Total capital | 29,870,000 | 30,635,000 | 31,338,000 | 32,221,000 |
| Risk-weighted assets | 214,501,000 | 218,513,000 | 222,428,000 | 232,070,000 |