0001193125-13-317527.txt : 20130805 0001193125-13-317527.hdr.sgml : 20130805 20130802175327 ACCESSION NUMBER: 0001193125-13-317527 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 3 CONFORMED PERIOD OF REPORT: 20130731 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20130805 DATE AS OF CHANGE: 20130802 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MIDDLEFIELD BANC CORP CENTRAL INDEX KEY: 0000836147 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 341585111 STATE OF INCORPORATION: OH FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-32561 FILM NUMBER: 131007583 BUSINESS ADDRESS: STREET 1: 15985 E HIGH ST STREET 2: P O BOX 35 CITY: MIDDLEFILED STATE: OH ZIP: 44062-9263 BUSINESS PHONE: 4406321666 MAIL ADDRESS: STREET 1: 15985 EAST HIGH STREET STREET 2: P O BOX 35 CITY: MIDDLEFIELD STATE: OH ZIP: 44062-9263 8-K 1 d578422d8k.htm FORM 8-K Form 8-K

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

 

 

FORM 8 – K

 

 

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

July 31, 2013

(Date of Report: Date of earliest event reported)

 

 

Middlefield Banc Corp.

(Exact name of registrant as specified in its charter)

 

 

Ohio

(State or other jurisdiction of incorporation)

000-32561

(Commission File Number)

34-1585111

(I.R.S. Employer Identification Number)

15985 East High Street

Middlefield, Ohio 44062

(Address of principal executive offices, including zip code)

(440) 632-1666

(Registrant’s telephone number, including area code)

(not applicable)

(Former name or former address, if changed since last report)

 

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

 

 

ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION

The following information is furnished under Item 2.02. On July 31, 2013, Middlefield Banc Corp. issued a press release announcing financial results for the three month and year-to-date periods ended June 30, 2013. A copy of the press release is attached hereto as Exhibit 99 and is incorporated herein by this reference.

The information contained or incorporated by reference in this current report on Form 8-K may contain forward-looking statements, including certain plans, expectations, goals, and projections, which are subject to numerous assumptions, risks, and uncertainties. Actual results could differ materially from those contained or implied by such statements for a variety of factors, including: changes in economic conditions; movements in interest rates; competitive pressures on product pricing and services; success and timing of business strategies; the nature, extent, and timing of governmental actions and reforms; and extended disruption of vital infrastructure. All forward-looking statements included in this current report on Form 8-K are based on information available at the time of the report. Middlefield Banc Corp. assumes no obligation to update any forward-looking statement.

 

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

 

  (c) Exhibits.

The following exhibits are furnished herewith:

EXHIBITS

99 July 31, 2013 press release of Middlefield Banc Corp.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

      MIDDLEFIELD BANC CORP.
Date: August 2, 2013      

/s/ James R. Heslop, II            ,

      Executive Vice President and COO
 EX-99 2 d578422dex99.htm EX-99 EX-99

Exhibit 99

 

LOGO

15985 East High Street

P. O. Box 35

Middlefield, Ohio 44062

Phone: 440/632-1666 FAX: 440/632-1700

www.middlefieldbank.com

PRESS RELEASE

 

Contact:    James R. Heslop, 2nd
   Executive Vice President/Chief Operating Officer
   (440) 632-1666 Ext. 3219
  

jheslop@middlefieldbank.com

Middlefield Banc Corp. Reports Earnings for Second Quarter and Year-to-Date 2013

MIDDLEFIELD, OHIO, July 31, 2013 ¿¿¿¿ Middlefield Banc Corp. (OTCQB: MBCN) reported net income for the second quarter of 2013 of $1.69 million, or $0.83 per diluted share. Net income for the second quarter of 2012 was $1.64 million, or $0.85 per diluted share. Net income for the first six months of 2013 was $3.34 million, or $1.66 per diluted share. For the same period of 2012, net income of $3.16 million equated to $1.72 per diluted share.

Annualized returns on average equity (“ROE”) and average assets (“ROA”) for the 2013 second quarter were 12.47% and 1.02%, respectively, compared with 13.22% and 1.01% for the second quarter of 2012. ROE and ROA were 12.32% and 1.02%, respectively, for the six month period of 2013. Comparable results for the 2012 six month period were 13.02% and 0.97%, respectively.

“We are pleased to report stable earnings for the second quarter and first half of 2013,” stated Thomas G. Caldwell, President and Chief Executive Officer, “To have been able to achieve these results during a period of continued economic and regulatory uncertainty is testament to our strong staff and keen community banking focus.”

“We have continued to see improvement in our asset quality figures. This has permitted us to maintain a strong allowance relative to the portfolio, while reducing the provision expense relative to last year. As we move forward in 2013, we will continue to remain firmly focused on delivering excellent customer service, increasing value to our shareholders, and operating our company under safe and sound banking principles,” Caldwell concluded.

Net Interest Income

Net interest income for the second quarter of 2013 was relatively flat when compared to the second quarter of 2012. For the six month periods of 2013 and 2012, the same was true. The 2013 six month period saw net interest income of $11.18 million as compared to $11.12 million for the same period of 2012. The net interest margin decreased 5 basis points to 3.88% compared to the 3.93% reported for the year-ago quarter. The net interest margin for the 2013 six month period was 3.90%, a 1 basis point decrease from the 3.91% reported for 2012.

“The Fed’s policy, now in its fifth year, of holding interest rates at historic lows continues to have an impact on the net interest margin. We are finding extremely aggressive pricing on both new loans as well as on refinancing opportunities. We have chosen to control our growth so as to maximize profitability, while not becoming locked in to long-term, low-rate assets. Further, we fully recognize the community-based focus of our funding sources and have continued our efforts to control the costs of our liabilities,” commented Donald L. Stacy, Chief Financial Officer.

Noninterest Income and Operating Expenses

Noninterest income decreased for both the three and six month periods. The company experienced increases in revenue from deposit services charges and in other income which was offset by a decrease in the recognized gains on investment securities. During the second quarter of 2012, a gain of $296,000 related to the sale of certain investment securities was recognized. In 2013, a loss on securities of $10,000 was booked during the second quarter, with the six month figure reflecting a gain of $175,000.

Noninterest expense for the second quarter of 2013 totaled $3.95 million, a decrease of $93,000 from the same period in the prior year. Increases in salaries and employee benefits, occupancy, franchise tax and professional fees were nearly equally matched by reductions in Federal deposit insurance premiums, equipment expense, and the recognition of a gain on the disposition of other real estate owned. For the first half of 2013, total noninterest expense of $7.95 million was $126,000 more than the 2012 comparable period. The primary factors were nearly consistent with those of the second quarter.

Balance Sheet

The company’s total assets at mid-year 2013 stood at $657.8 million, a decrease of $12.5 million, or 1.9%, from the figure reported at December 31, 2012. Net loans at June 30, 2013 were $404.7 million, up $4.0 million, or 1.0%, over the year-end 2012 position. Total deposits stood at $585.4 million as of June 30, 2013. This figure represents a decrease of $7.9 million, or 1.3%, from year-end 2012. The investment portfolio, which is entirely classified as available for sale, stood at $179.8 million at June 30, 2013. This reflects a decrease of $14.7 million from December 31, 2012, with the funds being utilized for loan growth and deposit run-off.

Shareholders’ Equity and Dividends

At June 30, 2013, shareholders’ equity totaled $52.6 million, a decrease of $600,000, or 1.1%, from the $53.2 million reported at June 30, 2012. This change primarily results from certain mark-to-market adjustments in securities available for sale due to increases in long-term interest rates, offset by an increase in retained earnings. Tangible book value per share at June 30, 2013 was $23.66. The comparable figure at June 30, 2012, was $24.47. The decrease in tangible book value per share was also the result of the aforementioned mark-to-market adjustments in securities available for sale. Shareholders received a cash dividend of $0.26 per share in both the second quarter of 2013 and 2012.

Asset Quality

For the three months ended June 30, 2013, management added $300,000 to the allowance for loan losses, which compares to $450,000 for the same period of 2012. The comparable six months figures are $613,000 for 2013 and $1,050,000 for 2012. Net charge-offs for the first six months of 2013 were $643,000, or 0.16% of average loans. The allowance for loan losses at June 30, 2013 stood at $7.75 million, or 1.88% of total loans. At June 30, 2012, the allowance for loan losses was $7.75 million, representing 1.89% of total loans.

The following table provides a summary of asset quality and reserve coverage ratios.

 

     Asset Quality History  
     (dollars in thousands)  
     6/30/2013     12/31/2012     6/30/2012     12/31/2011     12/31/2010  

Nonperforming loans

    $ 12,869      $ 14,194      $ 17,177      $ 24,546      $ 19,986   

Real estate owned

      2,361        1,846        1,986        2,196        2,302   

Nonperforming assets

    $ 15,230      $ 16,040      $ 19,163      $ 26,742      $ 22,288   

Allowance for loan losses

    $ 7,749      $ 7,779      $ 7,752      $ 6,819      $ 6,221   

Ratios:

           

Nonperforming loans to total loans

      3.12 %      3.48 %      4.18 %      6.12 %      5.37 % 

Nonperforming assets to total assets

      2.32 %      2.39 %      2.95 %      4.09 %      3.52 % 

Allowance for loan losses to total loans

      1.88 %      1.90 %      1.89 %      1.70 %      1.67 % 

Allowance for loan losses to nonperforming loans

      60.21 %      54.80 %      45.13 %      27.78 %      31.13 % 

Middlefield Banc Corp. headquartered in Middlefield, Ohio is a multi-bank holding company with total assets of $657.8 million. The company’s lead bank, The Middlefield Banking Company, operates full service banking centers and a LPL Financial® brokerage office serving Chardon, Cortland, Garrettsville, Mantua, Middlefield, Newbury, and Orwell. The company also serves the central Ohio market through its Emerald Bank subsidiary, with offices in Dublin and Westerville, Ohio. Additional information is available at www.middlefieldbank.com and www.emeraldbank.com

This press release of Middlefield Banc Corp. and the reports Middlefield Banc Corp. files with the Securities and Exchange Commission often contain “forward-looking statements” relating to present or future trends or factors affecting the banking industry and, specifically, the financial operations, markets and products of Middlefield Banc Corp. These forward-looking statements involve certain risks and uncertainties. There are a number of important factors that could cause Middlefield Banc Corp.’s future results to differ materially from historical performance or projected performance. These factors include, but are not limited to: (1) a significant increase in competitive pressures among financial institutions; (2) changes in the interest rate environment that may reduce interest margins; (3) changes in prepayment speeds, charge-offs and loan loss provisions; (4) less favorable than expected general economic conditions; (5) legislative or regulatory changes that may adversely affect businesses in which Middlefield Banc Corp. is engaged; (6) technological issues which may adversely affect Middlefield Banc Corp.’s financial operations or customers; (7) changes in the securities markets; or (8) risk factors mentioned in the reports and registration statements Middlefield Banc Corp. files with the Securities and Exchange Commission. Middlefield Banc Corp. undertakes no obligation to release revisions to these forward-looking statements or to reflect events or circumstances after the date of this press release.

MIDDLEFIELD BANC CORP.

Consolidated Selected Financial Highlights

June 30, 2013 and 2012 and December 31, 2012

 

     (unaudited)           (unaudited)  

Balance Sheet (period end)

    June 30,     December 31,     June 30,  
(Dollar amounts in thousands)    2013     2012     2012  

Assets

       

Cash and due from banks

    $ 22,052      $ 33,568      $ 30,908   

Federal funds sold

      18,377        11,778        11,953   
  

 

 

    

 

 

    

 

 

  

Cash and cash equivalents

      40,429        45,346        42,861   

Investment securities available for sale

      179,757        194,472        173,446   

Loans:

      412,399        408,433        410,868   

Less: reserve for loan losses

      7,749        7,779        7,752   
  

 

 

    

 

 

    

 

 

  

Net loans

      404,650        400,654        403,116   

Premises and equipment

      8,583        8,670        8,598   

Goodwill

      4,559        4,559        4,559   

Core deposit intangible

      173        195        215   

Bank-owned life insurance

      8,675        8,536        8,394   

Accrued interest receivable and other assets

      10,966        7,856        8,651   
  

 

 

    

 

 

    

 

 

  

Total Assets

    $ 657,792      $ 670,288      $ 649,840   
  

 

 

    

 

 

    

 

 

  
      June 30,     December 31,     June 30,  
     2013     2012     2012  

Liabilities and Stockholders’ Equity

       

Noninterest-bearing demand deposits

    $ 83,095      $ 75,912      $ 65,969   

Interest-bearing demand deposits

      58,238        63,915        61,935   

Money market accounts

      77,563        81,349        67,533   

Savings deposits

      180,875        175,406        171,150   

Time deposits

      185,648        196,753        205,142   
  

 

 

    

 

 

    

 

 

  

Total Deposits

      585,419        593,335        571,729   

Short-term borrowings

      5,407        6,538        6,959   

Other borrowings

      12,635        12,970        16,363   

Accrued interest and other liabilities

      1,781        2,008        1,631   
  

 

 

    

 

 

    

 

 

  

Total Liabilities

      605,242        614,851        596,682   

Common equity

      34,694        34,295        33,944   

Retained earnings

      24,780        22,485        20,399   

Accumulated other comprehensive income

      (190 )      5,391        5,549   

Treasury stock

      (6,734 )      (6,734 )      (6,734 ) 
  

 

 

    

 

 

    

 

 

  

Total Stockholders’ Equity

      52,550        55,437        53,158   
  

 

 

    

 

 

    

 

 

  

Total Liabilities and Stockholders’ Equity

    $ 657,792      $ 670,288      $ 649,840   
  

 

 

    

 

 

    

 

 

  

MIDDLEFIELD BANC CORP.

Consolidated Selected Financial Highlights

June 30, 2013 and 2012

(Dollar amounts in thousands)

(unaudited)

 

     For the Three Months Ended      For the Six Months Ended  
     June 30,      June 30,  
     2013     2012      2013     2012  

INTEREST INCOME

          

Interest and fees on loans

    $ 5,550      $ 5,641       $ 11,122      $ 11,178   

Interest-bearing deposits in other institutions

      9        8         17        12   

Federal funds sold

      4        4         8        7   

Investment securities

          

Taxable interest

      625        791         1,299        1,706   

Tax-exempt interest

      744        753         1,477        1,500   

Dividends on FHLB Stock

      15        26         38        52   
  

 

 

    

 

 

     

 

 

    

 

 

  

Total interest income

      6,947        7,223         13,961        14,455   

INTEREST EXPENSE

          

Deposits

      1,219        1,434         2,516        2,931   

Short-term borrowings

      47        99         99        158   

Other borrowings

      44        82         90        166   

Trust preferred securities

      47        31         81        77   
  

 

 

    

 

 

     

 

 

    

 

 

  

Total interest expense

      1,357        1,646         2,786        3,332   
  

 

 

    

 

 

     

 

 

    

 

 

  

NET INTEREST INCOME

      5,590        5,577         11,175        11,123   

Provision for loan losses

      300        450         613        1,050   
  

 

 

    

 

 

     

 

 

    

 

 

  

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES

      5,290        5,127         10,562        10,073   
  

 

 

    

 

 

     

 

 

    

 

 

  

NONINTEREST INCOME

          

Service charges on deposits

      511        471         958        902   

Earnings on bank-owned life insurance

      75        69         143        137   

Gain on sale of loans

      —          —           —          85   

Other income

      243        181         411        391   

Net securities gains (losses)

      (10 )      296         175        296   
  

 

 

    

 

 

     

 

 

    

 

 

  

Total noninterest income

      819        1,017         1,687        1,811   

NONINTEREST EXPENSE

          

Salaries and employee benefits

      1,994        1,800         3,865        3,550   

Occupancy expense

      248        222         522        470   

Equipment expense

      186        201         375        371   

Data processing costs

      187        191         400        390   

Ohio state franchise tax

      149        128         303        257   

Federal deposit insurance expense

      64        258         218        501   

Professional fees

      203        186         479        400   

(Gain) Loss on sale of other real estate owned

      (13 )      32         (5 )      50   

Other operating expense

      930        1,023         1,792        1,834   
  

 

 

    

 

 

     

 

 

    

 

 

  

Total noninterest expense

      3,948        4,041         7,949        7,823   
  

 

 

    

 

 

     

 

 

    

 

 

  

Income before income taxes

      2,161        2,103         4,300        4,061   

Provision for income taxes

      476        463         958        898   
  

 

 

    

 

 

     

 

 

    

 

 

  

NET INCOME

    $ 1,685      $ 1,640       $ 3,342      $ 3,163   
  

 

 

    

 

 

     

 

 

    

 

 

  

MIDDLEFIELD BANC CORP.

Consolidated Selected Financial Highlights

June 30, 2013 and 2012

(Dollar amounts in thousands)

(unaudited)

 

     For the Three Months Ended     For the Six Months Ended  
     June 30,     June 30,  
     2013     2012     2013     2012  

Per common share data

         

Net income per common share—basic

    $ 0.84      $ 0.85      $ 1.66      $ 1.72   

Net income per common share—diluted

    $ 0.83      $ 0.85      $ 1.66      $ 1.72   

Dividends declared

    $ 0.26      $ 0.26      $ 0.52      $ 0.52   

Book value per share (period end)

    $ 26.00      $ 26.88      $ 26.00      $ 26.88   

Tangible book value per share (period end)

    $ 23.66      $ 24.47      $ 23.66      $ 24.47   

Dividend payout ratio

      31.28 %      31.28 %      31.33 %      30.67 % 

Average shares outstanding — basic

      2,017,264        1,919,333        2,008,503        1,841,657   

Average shares outstanding -diluted

      2,023,961        1,021,205        2,017,060        1,842,865   

Period ending shares outstanding

      2,021,292        1,977,321        2,021,292        1,977,321   

Selected ratios

         

Return on average assets

      1.02 %      1.01 %      1.02 %      0.97 % 

Return on average equity

      12.47 %      13.22 %      12.32 %      13.02 % 

Yield on earning assets

      4.77 %      5.01 %      4.81 %      5.00 % 

Cost of interest-bearing liabilities

      1.04 %      1.24 %      1.06 %      1.25 % 

Net interest spread

      3.73 %      3.78 %      3.75 %      3.76 % 

Net interest margin

      3.88 %      3.93 %      3.90 %      3.91 % 

Efficiency (1)

      58.12 %      57.88 %      58.35 %      57.07 % 

Equity to assets at period end

      7.99 %      8.18 %      7.99 %      8.18 % 

 

(1) The efficiency ratio is calculated by dividing noninterest expense less amortization of intangibles by the sum of net interest income on a fully taxable equivalent basis plus noninterest income.

MIDDLEFIELD BANC CORP.

Consolidated Selected Financial Highlights

June 30, 2013 and 2012

(Dollar amounts in thousands)

(unaudited)

 

     June 30,     June 30,  

Asset quality data

    2013     2012  
(Dollar amounts in thousands)             

Nonaccrual loans

    $ 9,162      $ 15,310   

Troubled debt restructuring

      3,166        1,731   

90 days past due and accruing

      541        136   
  

 

 

    

 

 

  

Nonperforming loans

      12,869        17,177   

Other real estate owned

      2,361        1,986   
  

 

 

    

 

 

  

Nonperforming assets

    $ 15,230      $ 19,163   
  

 

 

    

 

 

  

Allowance for loan losses

    $ 7,749      $ 7,752   

Allowance for loan losses/total loans

      1.88 %      1.89 % 

Net charge-offs:

     

Quarter-to-date

    $ 283      $ (35 ) 

Year-to-date

      643        117   

Net charge-offs to average loans

     

Quarter-to-date

      0.07 %      -0.01 % 

Year-to-date

      0.16 %      0.03 % 

Nonperforming loans/total loans

      3.12 %      4.18 % 

Allowance for loan losses/nonperforming loans

      60.21 %      45.13 % 
     June 30,     June 30,  

Loans

    2013     2012  
(Dollar amounts in thousands)             

Commercial and industrial

    $ 49,898      $ 65,651   

Real estate — construction

      24,084        20,409   

Real estate — mortgage

     

Residential

      199,250        207,080   

Commercial

      135,006        113,383   

Consumer installment

      4,161        4,345   
  

 

 

    

 

 

  

Total Loans

    $ 412,399      $ 410,868   
  

 

 

    

 

 

  
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