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Income Statement
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Balance Sheet
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Income Overview
Net Income
$5,320K
EPS
$0.65
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
2025-03-31
2024-09-30
Interest and fees on loans
25,485
-
-
-
Interest-earning deposits in other institutions
299
-
-
-
Federal funds sold
192
-
-
-
Taxable interest
538
-
-
-
Tax-exempt interest
958
-
-
-
Dividends on stock
136
-
-
-
Total interest and dividend income
27,608
-
-
-
Deposits
8,972
-
-
-
Short-term borrowings
918
-
-
-
Other borrowings
153
-
-
-
Total interest expense
10,043
-
-
-
Net interest income
17,565
17,437
16,098
15,073
Provision for (recovery of) credit losses
392
-506
95
2,234
Net interest income after provison for (recovery of) credit losses
17,173
17,943
16,003
12,839
Noninterest income revenue-Deposit Account
1,072
-
-
-
Noninterest income revenue
-
-
1,193
1,221
Gain (loss) on equity securities
17
-7
-34
14
Earnings on bank-owned life insurance
228
230
493
246
Gain on sale of loans
158
39
24
56
Noninterest income revenue-Deposit Account
-
1,061
-
-
Revenue from investment services
306
310
268
206
Noninterest income revenue-Financial Service Other
-
216
-
-
Gain on exchange of real estate
0
-1,229
-
-
Gross rental income
0
0
-
-
Noninterest income revenue-Financial Service Other
543
-
-
-
Total noninterest income
2,324
3,078
1,944
1,743
Salaries and employee benefits
6,883
6,734
6,557
6,201
Occupancy expense
604
667
687
627
Equipment expense
249
248
225
203
Data processing and information technology costs
1,240
1,273
1,271
1,248
Ohio state franchise tax
399
399
399
399
Federal deposit insurance expense
267
267
267
255
Professional fees
700
521
598
539
Advertising expense
386
451
364
283
Software amortization expense
94
95
90
74
Core deposit intangible amortization
250
250
249
257
Loss on premises and equipment held for sale
-18
-693
-
-
Gross other real estate owned expenses
0
0
-
-
Other noninterest expense
2,008
2,053
1,486
1,785
Total noninterest expense
13,098
13,651
12,193
11,871
Income before income taxes
6,399
7,370
5,754
2,711
Income taxes
1,079
1,213
924
371
Net income
5,320
6,157
4,830
2,340
Basic EPS
0.66
0.76
0.6
0.29
Diluted EPS
0.65
0.76
0.6
0.29
Basic Average Shares
8,084,658
8,081,193
8,078,805
8,071,032
Diluted Average Shares
8,147,495
8,113,572
8,097,545
8,086,872
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
$25,485K
Tax-exempt interest
$958K
Taxable interest
$538K
Interest-earning deposits in
other institutions
$299K
Federal funds sold
$192K
Dividends on stock
$136K
Total interest and
dividend income
$27,608K
Net interest income
$17,565K
(16.53%↑ Y/Y)
Noninterest income
revenue-Deposit Account
$1,072K
Noninterest income
revenue-Financial Service Other
$543K
Revenue from investment
services
$306K
(48.54%↑ Y/Y)
Earnings on bank-owned
life insurance
$228K
(-7.32%↓ Y/Y)
Gain on sale of loans
$158K
(182.14%↑ Y/Y)
Gain (loss) on equity
securities
$17K
(21.43%↑ Y/Y)
Total interest
expense
$10,043K
Net interest income
after provison for...
$17,173K
(33.76%↑ Y/Y)
Total noninterest
income
$2,324K
(33.33%↑ Y/Y)
Provision for (recovery
of) credit losses
$392K
(-82.45%↓ Y/Y)
Deposits
$8,972K
Short-term borrowings
$918K
Other borrowings
$153K
Income before income
taxes
$6,399K
(136.04%↑ Y/Y)
Total noninterest
expense
$13,098K
(10.34%↑ Y/Y)
Net income
$5,320K
(127.35%↑ Y/Y)
Income taxes
$1,079K
(190.84%↑ Y/Y)
Salaries and employee
benefits
$6,883K
(11.00%↑ Y/Y)
Other noninterest
expense
$2,008K
(12.49%↑ Y/Y)
Data processing and
information technology...
$1,240K
(-0.64%↓ Y/Y)
Professional fees
$700K
(29.87%↑ Y/Y)
Occupancy expense
$604K
(-3.67%↓ Y/Y)
Ohio state franchise
tax
$399K
(0.00%↑ Y/Y)
Advertising expense
$386K
(36.40%↑ Y/Y)
Federal deposit
insurance expense
$267K
(4.71%↑ Y/Y)
Core deposit
intangible amortization
$250K
(-2.72%↓ Y/Y)
Equipment expense
$249K
(22.66%↑ Y/Y)
Software amortization
expense
$94K
(27.03%↑ Y/Y)
Loss on premises and
equipment held for sale
-$18K
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MIDDLEFIELD BANC CORP (MBCN)
MIDDLEFIELD BANC CORP (MBCN)