Call reports 2007
MIDDLEFIELD BANKING COMPANY, THE — 2007
What MIDDLEFIELD BANKING COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 355,446,000 | 354,117,000 | 370,345,000 | 378,325,000 |
| Total loans | 254,776,000 | 260,235,000 | 261,475,000 | 261,160,000 |
| Allowance for loan losses | 2,788,000 | 2,823,000 | 2,652,000 | 2,823,000 |
| Securities available for sale | 69,880,000 | 71,136,000 | 80,288,000 | 84,644,000 |
| Securities held to maturity | 120,000 | 120,000 | 120,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,024,000 | 292,077,000 | 316,299,000 | 324,971,000 |
| Interest-bearing deposits | 248,151,000 | 248,591,000 | 273,191,000 | 282,952,000 |
| Noninterest-bearing deposits | 47,872,000 | 43,485,000 | 43,108,000 | 42,019,000 |
| Equity capital | 29,204,000 | 28,962,000 | 29,964,000 | 30,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,346,000 | 10,894,000 | 16,588,000 | 22,383,000 |
| Interest expense | 2,654,000 | 5,507,000 | 8,526,000 | 11,642,000 |
| Net interest income | 2,692,000 | 5,387,000 | 8,062,000 | 10,741,000 |
| Noninterest income | 621,000 | 1,260,000 | 1,990,000 | 2,742,000 |
| Noninterest expense | 2,193,000 | 4,194,000 | 6,318,000 | 8,348,000 |
| Provision for loan losses | 45,000 | 90,000 | 150,000 | 380,000 |
| Pretax income | 1,075,000 | 2,363,000 | 3,584,000 | 4,762,000 |
| Income tax | 235,000 | 472,000 | 774,000 | 994,000 |
| Net income | 840,000 | 1,891,000 | 2,810,000 | 3,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,726,000 | 30,280,000 | 28,565,000 | 29,024,000 |
| Total capital | 32,514,000 | 33,103,000 | 31,217,000 | 31,847,000 |
| Risk-weighted assets | 242,227,000 | 233,225,000 | 252,629,000 | 252,877,000 |