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Income Statement
Balance Sheet
Cash Flow Statement

Common Size IS
Op Efficiency
Credit Analysis

MIDDLEFIELD BANC CORP (MBCN)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsDec-31-22Dec-31-21Dec-31-20Dec-31-19Dec-31-18Dec-31-17Dec-31-16Dec-31-15
   10-K10-K10-K10-K10-K10-K10-K10-K
INTEREST AND DIVIDEND INCOME          
Interest and fees on loans  48.547.949.050.446.640.225.823.8
Interest-earning deposits in other institutions  0.50.10.10.70.60.30.10.0
Federal funds sold  0.20.00.00.10.00.00.00.0
   
Investment securities:          
Taxable interest  1.81.70.90.80.70.81.11.5
Tax-exempt interest  3.72.62.52.42.32.42.93.2
Dividends on stock  0.20.10.10.20.20.20.10.1
    Total interest and dividend income  54.952.352.654.550.444.030.028.6
   
INTEREST EXPENSE          
Deposits  4.03.99.012.48.630.73.63.4
Short-term borrowings  0.3 0.10.40.80.80.30.2
Other borrowings  0.40.30.20.40.40.50.30.2
    Total interest expense  4.74.29.313.19.944.04.23.8
NET INTEREST INCOME  50.248.143.441.440.437.325.824.8
   
Provision for credit losses          
    NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES  50.247.433.540.539.636.325.224.5
   
NONINTEREST INCOME          
Noninterest income revenue          
   
Gain on other real estate owned          
Earnings on bank-owned life insurance  0.50.50.40.40.40.40.40.6
Gain on sale of loans  0.01.21.50.40.20.80.40.3
Revenue from investment services  0.70.70.5     
Gross rental income  1.00.2      
    Total noninterest income  6.77.26.04.83.74.94.04.0
   
NONINTEREST EXPENSE          
Salaries and employee benefits  17.517.215.816.815.713.810.29.8
Occupancy expense  2.02.02.22.21.91.81.31.3
Equipment expense  1.11.41.31.01.01.11.00.9
Data processing and information technology costs  3.73.32.72.21.81.81.31.1
Ohio state franchise tax  1.21.11.11.00.80.70.60.3
Federal deposit insurance expense  0.30.50.40.20.60.50.40.5
Professional fees  1.51.31.41.71.51.81.41.2
Other real estate owned writedowns  1.2       
Advertising expense  1.00.90.70.70.90.80.70.7
Software amortization expense  0.10.40.40.60.60.4  
Core deposit intangible amortization  0.40.30.30.30.40.40.00.0
Gross other real estate owned expenses  0.70.1      
   
Merger-related costs          
Other expense  4.93.63.83.33.63.33.93.7
    Total noninterest expense  38.032.029.830.028.727.520.920.1
    Income before income taxes  18.922.79.8     
Income taxes  3.24.11.42.62.24.21.91.6
    NET INCOME  15.718.68.312.712.49.56.46.9
   
EARNINGS PER SHARE          
Basic (in dollars per share)  $2.60$3.01$1.31$1.96$1.92$3.12$3.04$3.41
Diluted (in dollars per share)  $2.59$3.00$1.30$1.95$1.91$3.10$3.03$3.39

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