MCG Capital Corporation Reports First Quarter 2008 Results

ARLINGTON, Va., May 7 /PRNewswire-FirstCall/ -- MCG Capital Corporation (NASDAQ:MCGC) announced today its results for the quarter ended March 31, 2008. MCG will host an investment community conference call at 10:00 a.m. Eastern Time, on Thursday, May 8, 2008.

Highlights
Three Months ended
(dollars in millions March 31, %
except per share amounts) 2007 2008 change

Revenue $40.1 $43.0 +7%
Distributable net
operating income (DNOI) $23.0 $23.0 -%
Net operating income (NOI) $20.0 $21.3 +7%
Net income $30.5 $2.5 -92%
DNOI/share (a) $0.38 $0.34 -11%
NOI/share (a) $0.33 $0.31 -6%
EPS (a) $0.50 $0.04 -92%
Dividends/share $0.44 $0.44 -%
Gross originations and
advances $177.9 $37.2 -79%
Total investment portfolio
at fair value at March 31 $1,342.2 $1,512.4 +13%
Net increase (decrease) in
investment portfolio $94.1 $(32.7)

(a) In accordance with SFAS 128-Earnings per Share, or SFAS 128, the
weighted average shares of common stock outstanding used in computing
DNOI per share, NOI per share and basic and diluted earnings per share
for the three months ended March 31, 2008 and 2007 have been adjusted
retroactively by a factor of 1.052% to recognize the bonus element
associated with rights to acquire shares of common stock that were
issued to shareholders on March 28, 2008. See Recent Developments for
additional information about the rights offering.

Dividend Declaration


MCG also announced today that its board of directors has declared a second quarter 2008 dividend of $0.27 per share. The dividend is payable as follows:

Record date: June 30, 2008
Payable date: July 30, 2008


Conference Call/Webcast/Replay


MCG will host an investment community conference call on Thursday, May 8th at 10:00 a.m. Eastern Time. Slides and financial information reviewed in the investor conference call will be available on MCG's website at http://www.mcgcapital.com/ prior to the call.

Conference Call: Thursday, May 8, 2008 at 10:00 a.m. Eastern Time
Dial-in Number: 877/675-4757 or 719/325-4851 for international
callers (no access code required)
Live Webcast /Replay: http://investor.mcgcapital.com/
Call Replay: 888/203-1112 or 719/457-0820 for international
callers -- replay pass code #8882064, through
May 18, 2008

MCG Capital Corporation
Consolidated Balance Sheets

(in thousands, except per share amounts) March 31, December 31,
2008 2007
(unaudited)
Assets
Cash and cash equivalents $12,028 $23,297
Cash, securitization accounts 20,494 37,003
Cash, restricted 2,790 4,010
Investments at fair value
Non-affiliate investments
(cost of $653,247 and $675,077,
respectively) 675,420 706,819
Affiliate investments (cost of
$68,986 and $70,516, respectively) 76,544 77,601
Control investments (cost of $828,711
and $818,808, respectively) 760,452 760,670
Total investments (cost $1,550,944
and $1,564,401, respectively) 1,512,416 1,545,090
Interest receivable 9,203 11,272
Other assets 17,755 16,909
Total assets $1,574,686 $1,637,581
Liabilities
Borrowings (maturing within one year
of $157,423 and $166,922, respectively) $720,336 $751,035
Interest payable 6,465 6,599
Dividends payable 28,855 28,858
Other liabilities 8,827 16,400
Total liabilities 764,483 802,892
Stockholders' equity
Preferred stock, par value $0.01,
authorized 1 share, none issued and
outstanding - - Common stock, par value $0.01, authorized
200,000 shares on March 31, 2008 and
December 31, 2007, 65,570 issued and
outstanding on March 31, 2008 and 65,587
issued and outstanding on December 31, 2007 656 656
Paid-in capital 935,092 933,274
Undistributed (distributions in excess of)
earnings:
Paid-in capital (84,070) (84,070)
Other (2,383) 4,704
Net unrealized depreciation on investments (38,528) (19,311)
Stockholder loans (564) (564)
Total stockholders' equity 810,203 834,689
Total liabilities and stockholders'
equity $1,574,686 $1,637,581
Net asset value per common share at
period end $12.36 $12.73

Note: Certain prior period information has been reclassified to conform to current year presentation

MCG Capital Corporation
Consolidated Statements of Operations (unaudited)

Three Months Ended
March 31,
(in thousands, except per share amounts) 2008 2007
Revenue
Interest and dividend income
Non-affiliate investments (less than
5% owned) $19,874 $19,040
Affiliate investments (5% to 25% owned) 1,873 3,211
Control investments (more than 25% owned) 20,652 14,423
Total interest and dividend income 42,399 36,674
Advisory fees and other income
Non-affiliate investments (less than 5%
owned) 353 1,657
Affiliate investments (5% to 25% owned) - - Control investments (more than 25% owned) 244 1,811
Total advisory fees and other income 597 3,468
Total revenue 42,996 40,142

Operating expenses
Interest expense 10,300 9,145
Employee compensation
Salaries and benefits 6,206 5,502
Amortization of employee restricted
stock awards 1,742 2,982
Total employee compensation 7,948 8,484
General and administrative expense 3,482 2,467
Total operating expenses 21,730 20,096

Net operating income before investment gains
and losses and income tax provision 21,266 20,046
Net realized gains on investments
Non-affiliate investments (less than 5%
owned) - - Affiliate investments (5% to 25% owned) - - Control investments (more than 25% owned) 200 2,527
Total net realized gains on investments 200 2,527
Net unrealized appreciation (depreciation) on
investments
Non-affiliate investments (less than 5%
owned) (9,567) (1,495)
Affiliate investments (5% to 25% owned) 472 (203)
Control investments (more than 25% owned) (9,703) 9,946
Total net unrealized (depreciation)
appreciation on investments (18,798) 8,248
Net investment (losses) gains before income
tax provision (18,598) 10,775
Income tax provision 170 367

Net income $2,498 $30,454
Earnings per basic and diluted common share (b) $0.04 $0.50
Cash distributions declared per common share $0.44 $0.44
Weighted average common shares outstanding
Basic (b) 67,941 61,086
Diluted (b) 67,941 61,153

(b) In accordance with SFAS 128-Earnings per Share, or SFAS 128, the
weighted average shares of common stock outstanding used in computing
basic and diluted earnings per share for the three months ended March
31, 2008 and 2007 have been adjusted retroactively by a factor of
1.052% to recognize the bonus element associated with rights to
acquire shares of common stock that were issued to shareholders on
March 28, 2008.See Recent Developments for additional information
about the rights offering.

Note: Certain prior period information has been reclassified to conform to current year presentation

Portfolio Activity

The fair value of our investment portfolio totaled $1.512 billion at March 31, 2008 as compared to $1.545 billion at December 31, 2007. During the first quarter of 2008, we originated investments of $7.9 million in three portfolio companies (some of which were new customers and some of which were existing customers) and made advances of $29.3 million to existing portfolio companies. The originations of $7.9 million included $1.6 million of senior debt, $0.3 million of secured subordinated debt, and $6.0 million of preferred equity. The significant origination activity included:

-- $6.0 million in preferred equity, to TNR Entertainment Corp., the
nation's second largest owner/operator of DVD rental kiosks, to support
continuing operations.

-- $1.6 million in senior debt, to Florida Tower Partners II, LLC, a
telecom tower development company.


Gross payments, reductions and sales of securities during the first quarter of 2008 of $51.6 million were composed of $33.5 million of senior debt, $13.7 million of secured subordinated debt, $3.6 million of preferred equity and $0.8 million of common equity. The significant activity included:

-- $11.2 million in senior debt repaid by Communicom Broadcasting, LLC.

-- $12.6 million in secured subordinated debt repaid by Micro Dental
Laboratories.

-- $10.7 million in senior debt through the syndication of our senior debt
position in LMS Intellibound Investors, LLC. Our position was sold at
par and no gain or loss was recognized on this transaction.


Net investment losses before income tax benefit were $18.6 million which are shown more fully below. The following table summarizes our pre-tax net investment losses:

Three Months Ended March 31, 2008
Reversal
of
Real- Unreal- Unreal- (dollars in ized ized ized Net
thousands) Gain/ Gain/ (Gain)/ Gain/
Portfolio Company Industry Type (Loss) (Loss) Loss (Loss)

Total Sleep
Holdings, Inc. Healthcare Control $- $6,522 $- $6,522

National Product Business
Services, Inc. Services Control - 1,127 - 1,127

Crystal Media
Network, LLC Broadcasting Control (503) 429 503 429

MTP Holding, Communi- LLC cations Control 588 36 (588) 36

JetBroadband
Holdings, LLC Cable Control - (6,156) - (6,156)

Working Mother
Media, Inc. Publishing Control - (3,889) - (3,889)

RadioPharmacy
Investors, LLC Healthcare Control - (2,569) - (2,569)

CWP/RMK Home Non- Acquisition Corp. Furnishings affiliate - (2,470) - (2,470)

PremierGarage Home
Holdings, LLC Furnishings Control - (2,290) - (2,290)

GMC Television
Broadcasting, LLC Broadcasting Control - (1,396) - (1,396)

Home Interiors & Home Non- Gifts, Inc. Furnishings affiliate - (1,044) - (1,044)

Flexsol Packaging Chemicals/ Non- Corp. Plastics affiliate - (909) - (909)

Jet Plastica Plastic
Investors, LLC Products Control - (849) - (849)

Teleguam Holdings, Communi- Non- LLC cations affiliate - (708) - (708)

Golden Knight Diversified
II CLO, Financial Non- Ltd. Services affiliate - (663) - (663)

CEI Holdings Non- Inc. Cosmetics affiliate - (540) - (540)

Marietta
Intermediate
Holding Non- Corporation Cosmetics affiliate - (513) - (513)

Intran Media, LLC Other Media Control - (496) - (496)

Orbitel Holdings,
LLC Cable Control - (457) - (457)

Other 115 (1,878) - (1,763)

Total $200 $(18,713) $(85) $(18,598)

Broadview Investment


Broadview Networks Holdings, Inc., or Broadview, a competitive local exchange carrier, or CLEC serving primarily business customers, is our largest portfolio investment, in which we hold preferred stock with an aggregate fair value of $197.5 million at March 31, 2008. Our Broadview investment represented approximately 13.1% of the fair value of our total investments at March 31, 2008 compared to 12.3% of the fair value of our total investments at December 31, 2007. Additionally, our investment in Broadview accounted for $8.0 million, or 18.6%, of our total revenue for the three months ended March 31, 2008, compared to $7.8 million, or 15.6%, of our total revenue for the three months ended December 31, 2007.

Our investment in Broadview entitles us to total preferred claims of approximately $274.9 million, prior to any claims by common shareholders. We are also entitled to accumulating dividends on our preferred stock investment, which accumulate and compound quarterly at an annual rate of 12% on $274.9 million but are not payable in cash on a current basis. Because accumulating dividends are typically not part of taxable income until they are received in cash, it is possible that our GAAP earnings may exceed our taxable earnings by a significant amount until such time as this investment is liquidated.

In November 2007, Broadview filed a registration statement on Form S-1 to register shares for an initial public offering, or IPO, of equity securities. In the event that Broadview is successful with their IPO, we will be required to convert our yielding preferred stock, which represents an ownership interest of approximately 46% on an as-if converted basis, into non-yielding common stock. In connection with an IPO by Broadview, we may sell a portion of our investment in Broadview, which could result in a significant liquidity event for us.

Our ability to recognize income from our preferred stock investment in Broadview in future periods will be dependent on the performance and value of Broadview. Broadview continues to perform in accordance with our expectations; however, we currently do not expect to accrue any further dividends on our Broadview investment which will materially reduce our revenue and earnings in future periods.

Cleartel Investment

Cleartel Communications, Inc., or Cleartel, one of our control investments, is a CLEC serving primarily residential customers. Since the first quarter of 2007, this investment has been, and will continue to be, on non-accrual status for the foreseeable future. We advanced an additional $4.1 million to Cleartel in order to support their operations during the first quarter of 2008. As of March 31, 2008, our investment in Cleartel is composed of subordinated debt with a fair value of $29.3 million, preferred stock with a fair value of zero and 100% of the common stock of Cleartel with a fair value of zero. At March 31, 2008, Cleartel represented approximately 1.9% of the fair value of our investments compared to 1.6% of the fair value of our investments at December 31, 2007.

Valuation

MCG's board of directors is responsible for determining the fair value of our portfolio investments on a quarterly basis. As part of our process for determining the fair value of our portfolio investments, we retain independent valuation firms to perform independent valuations on certain of our portfolio companies and review certain of our fair value determinations. These independent valuations and reviews are considered by our board of directors in their determinations of fair value of our portfolio companies. We intend to continue to engage these independent valuation firms to conduct independent valuations and reviews of valuations for certain investments in our portfolio. Our general practice is to obtain an independent valuation or review of valuation once per year for each portfolio investment that has a fair value in excess of $5.0 million.

Over the last four quarters, independent valuation firms performed independent valuations or reviews of valuations for 47 portfolio companies, representing $1,242.1 million or 82% of the fair value of our total portfolio investments and $410.5 million or 80% of the fair value of our equity portfolio investments.

Fair Value Measurements

We adopted Statement of Financial Accounting Standards No. 157-Fair Value Measurements for our financial assets on January 1, 2008. This adoption resulted in a change in estimate in valuing most of the debt we have issued to non-control portfolio companies. In the first quarter of 2008, the impact of this change in estimate totaled a $3.8 million net unrealized loss.

Current Market Conditions

The debt and equity capital markets in the United States have had a significant impact from the write-offs in the financial services sector relating to subprime mortgages and the re-pricing of credit risk in the broadly syndicated market, among other things. These events, along with the deterioration of the housing market, have led to worsening general economic conditions, which have had an impact on the broader financial and credit markets and have reduced the availability of debt and equity capital for the market as a whole and financial firms in particular. The Company and other commercial finance companies have historically utilized the collateralized loan obligation, or CLO, market to finance some of their investment activities. Due to the current dislocation of the CLO market, which we believe may continue for an extended period of time, we and other companies in the commercial finance sector will have to access alternative debt markets in order to grow. The debt capital that will be available will most likely be at a higher cost, and terms and conditions may be less favorable. This has resulted and will continue to result in significant slowing of our origination activity during 2008.

In the event that the United States economy enters into an extended downturn or a recession, it is possible that the results of some of the middle market companies similar to those in which we invest could experience deterioration which could ultimately lead to difficulty in meeting debt service requirements and an increase in defaults. While we are not seeing signs of an overall deterioration in the operating results of our portfolio companies at this time, there can be no assurance that the performance of certain of our portfolio companies will not be affected adversely by economic conditions, which could have a negative impact on our future results.

Liquidity and Capital Resources

As of March 31, 2008, our cash and cash equivalents totaled $12.0 million and our borrowings totaled $720.3 million. Of the $720.3 million in outstanding borrowings, $157.4 million matures within one year. Of this amount, $101.4 million was outstanding under our 2006-2 warehouse facility with Merrill Lynch Capital Corporation as described more fully below and $56.0 million was outstanding under our Revolving Unsecured Credit Facility as also described more fully below. Currently, we also have the ability to borrow up to $130 million under the small business investment company, or SBIC, program, of which $20.0 million has been approved and the remainder of which is expected to become available to us subject to compliance with the Small Business Administration's customary procedures.

During April 2008, we completed a rights offering which resulted in the issuance of 9,500,000 shares of common stock. We received approximately $58 million of net cash proceeds as a result of this transaction -- see Recent Developments. On May 1, 2008, SunTrust Bank provided the annual renewal of its liquidity facility that supports our $250 million Commercial Loan Funding Trust facility, as required annually -- see Recent Developments. In addition, we are continuing to work on a variety of initiatives with our debt facilities to support both our ongoing operations and growth. We have executed a term sheet with an existing lender for a new revolving warehouse facility and are in discussions with a new lender for a new revolving warehouse facility. We currently estimate that these facilities, if obtained, will provide approximately an aggregate $350 million of additional borrowing capacity which would be utilized to support future growth. There can be no assurance that either of these transactions will be consummated or that we will be able to obtain additional borrowing capacity.

As of March 31, 2008, $101.4 million was outstanding under our 2006-2 warehouse facility with Merrill Lynch Capital Corporation. This facility was previously scheduled to expire on February 29, 2008, and was originally intended to be repaid with proceeds from a placement of debt in the CLO market. Due to the severe dislocation which has occurred in the CLO market, we determined that a CLO transaction is not possible in the near term. On February 12, 2008, this facility was amended to extend the maturity until August 31, 2008. Under the terms of the amendment, we are required to reduce the amount outstanding under this facility to not more than $82.5 million at April 21, 2008, not more than $55.0 million at May 31, 2008, and not more than $27.5 million outstanding at July 21, 2008, with the balance due on August 31, 2008. As of May 7, 2008, the actual amount outstanding under this facility is $60.7 million. We have met, and intend to continue to meet, our repayment obligations under this facility by moving the assets in this facility to other existing facilities -- see also discussion of our revolving unsecured facility below.

Our revolving unsecured credit facility provides for aggregate borrowings of up to $130 million, subject to certain requirements including but not limited to maintaining certain levels of performing assets which are not pledged as collateral to other debt facilities. The amount outstanding under this facility as of May 7, 2008 is $68.0 million. This facility has a 364-day term which matures on June 4, 2008. We currently have a signed term sheet and are working actively with our existing lenders and certain potential new lenders on the renewal of this facility until June 2009. While we are confident at this time that we will be able to renew this facility, there can be no assurance that we will be able to renew this facility. In the event that we are unable to renew this facility at a reasonable size our liquidity will be reduced significantly.

In addition to our initiatives with respect to our borrowing facilities, we are working on a variety of initiatives to enhance our overall liquidity through the sale of certain debt and equity investments including potentially a portion of our investment in Broadview, our largest investment, in connection with its planned initial public offering in 2008.

The completion of some or all of these initiatives is expected to provide us with liquidity to be utilized throughout 2008 and potentially beyond. While we believe that some or all of these initiatives can be completed, there can be no assurance that we will be successful with any of these initiatives. In addition, we expect our origination activity to be significantly slower during the remainder of 2008, until we are able to complete some or all of these initiatives. In the event that we are unsuccessful with these initiatives, our ability to originate new investments and continue quarterly distributions at current levels could be impacted.

Dividend Guidance

For 2008, MCG currently estimates that dividends will be at least $1.25 per share. This estimate takes into consideration our expectations for the performance of our business and estimates of distributable net operating income, capital gains, net income and taxable income for 2008.

Recent Developments

On March 28, 2008, MCG issued to its stockholders of record transferable rights to subscribe for up to 9,500,000 shares of its common stock. Stockholders received one right for every seven outstanding shares of common stock owned on the Record Date.

The rights offering expired on April 18, 2008. At the time of expiration, the rights offering, which was oversubscribed by 67%, resulted in the issuance of 9.5 million shares of MCG common stock. Net proceeds after payment of dealer-manager fees and before other offering-related expenses were approximately $58 million and will be used for origination of loans to and investments in primarily middle market companies, repayment of indebtedness, working capital, and other general corporate purposes. The subscription price for the rights offering was $6.36, or 88% of the volume-weighted average of the sales prices, or VWAP, of MCG's common stock on the Nasdaq Global Select market on the five trading days ending on the expiration date. The VWAP was $7.23. As a result of the issuance of shares at a price below our net asset value per common share, or NAV, our NAV was reduced by approximately $0.80 per share upon the close of this transaction.

In April 2008, MCG's Board of Directors approved the issuance of 545,100 shares of restricted stock to our employees pursuant to the MCG Capital Corporation 2006 Employee Restricted Stock Plan. Of these restricted shares, 395,100 shares will generally be expensed over four years and 150,000 will be expensed over three years pursuant to an employment agreement.

In April 2008, MCG increased its commitment to Solutions Capital I, a wholly-owned SBIC subsidiary, which increased the borrowing capacity from $100 million to $130 million that can be used to provide debt and equity capital to qualifying small businesses.

On May 1, 2008, SunTrust Bank provided the annual renewal of its liquidity facility that supports MCG's $250 million committed secured warehouse credit facility. This warehouse financing facility is funded through Three Pillars Funding LLC, an asset-backed commercial paper conduit administered by SunTrust Robinson Humphrey, Inc. The warehouse financing facility operates like a revolving credit facility that primarily is secured by the assets of MCG Commercial Loan Funding Trust. The warehouse facility maturity is November 2010, with annual liquidity renewals each year. In connection with this renewal, the interest rates for Class A and Class B advances have increased to the commercial paper rate plus 1.50% and 2.50%, respectively. The Class A and Class B advances previously bore interest at the commercial paper rate plus 0.75% and 1.50%, respectively. The facility commitment fee has increased to 0.30% from 0.20% previously. In addition, we paid a facility renewal fee of $750,000, or 0.30%.

Selected Financial Data
(dollars in thousands)
(unaudited)

2007 2007 2007 2007 2008
Q1 Q2 Q3 Q4 Q1
Income statement:
Interest and dividend income $36,674 $47,384 $45,129 $46,842 $42,399
Advisory fees and other
income 3,468 2,804 1,953 2,865 597
Total revenue 40,142 50,188 47,082 49,707 42,996
Interest expense 9,145 10,502 11,888 11,584 10,300
Salaries & benefits 5,502 6,364 6,186 3,748 6,206
G & A 2,467 2,804 2,640 3,347 3,482
Distributable net operating
income (DNOI) 23,028 30,518 26,368 31,028 23,008
Amortization of employee
restricted stock awards 2,982 2,024 2,120 1,898 1,742
Net operating income before
investment gains and losses
and income tax provision
(benefit) 20,046 28,494 24,248 29,130 21,266
Net investment gains and
losses before income tax
provision (benefit) 10,775 8,618 2,205 (34,485) (18,598)
Income tax provision (benefit) 367 (934) 3,434 (472) 170
Net income (loss) $30,454 $38,046 $23,019 $(4,883) $2,498

Reconciliation of distributable
net operating income (DNOI) to
net operating income:

Net operating income before
investment gains and losses
and income tax provision
(benefit) $20,046 $28,494 $24,248 $29,130 $21,266
Amortization of employee
restricted stock awards 2,982 2,024 2,120 1,898 1,742
DNOI $23,028 $30,518 $26,368 $31,028 $23,008
DNOI per share-weighted
average common shares
outstanding ( c ) (d) $0.38 $0.48 $0.40 $0.46 $0.34
Per common share statistics:
Weighted average common
shares outstanding (d) 61,086 63,461 65,537 67,825 67,941
Net operating income before
investment gains and losses
and income tax provision
(benefit) per common share
- basic and diluted (d) $0.33 $0.45 $0.37 $0.43 $0.31
Earnings (loss) per common
share - basic and diluted (d) 0.50 0.60 0.35 (0.07) 0.04
Net asset value per common
share - period end 12.79 13.23 13.22 12.73 12.36
Dividends declared per
common share 0.44 0.44 0.44 0.44 0.44

( c ) DNOI is net operating income before investment gains and losses and
income tax provision (benefit), as determined in accordance with
U.S. generally accepted accounting principles, or GAAP, adjusted
for amortization of employee restricted stock awards. We view DNOI
and the related per share measures as useful and appropriate
supplements to net operating income, net income, earnings per share
and cash flows from operating activities. These measures serve as an
additional measure of our operating performance exclusive of
employee restricted stock amortization, which represents an expense
of the company but does not require settlement in cash. DNOI does
include paid-in-kind, or PIK, interest and dividend income which are
generally not payable in cash on a regular basis but rather at
investment maturity or when declared. DNOI should not be considered
as an alternative to net operating income, net income, earnings per
share and cash flows from operating activities (each computed in
accordance with GAAP). Instead, DNOI should be reviewed in
connection with net operating income, net income, earnings per share
and cash flows from operating activities in our consolidated
financial statements, to help analyze how our business is
performing.
(d) In accordance with SFAS 128-Earnings per Share, or SFAS 128, the
weighted average shares of common stock outstanding used in
computing DNOI per share, NOI per share and basic and diluted
earnings per share of common stock share for the three months ended
March 31, 2007, June 30, 2007, September 30, 2007, December 31, 2007
and March 31, 2008 have been adjusted retroactively by a factor of
1.052% to recognize the bonus element associated with rights to
acquire shares of common stock that were issued to shareholders on
March 28, 2008. See Recent Developments for additional information
about the rights offering.

Selected Financial Data
(dollars in thousands)
(unaudited)

2007 2007 2007 2007 2008
Q1 Q2 Q3 Q4 Q1
Average quarterly
loan portfolio - fair value $907,276 $999,932 $1,057,112 $1,081,260 $1,016,845
Average quarterly
total investment
portfolio - fair
value 1,265,729 1,403,808 1,484,604 1,563,318 1,530,940
Average quarterly
total assets 1,333,113 1,453,969 1,567,353 1,619,945 1,590,101
Average quarterly
stockholders'
equity 750,058 782,558 816,242 850,370 823,485
Return on average
total assets
(trailing 12 months)
Net operating income
before investment
gains and losses
and income tax
provision (benefit) 6.63% 7.02% 6.86% 6.82% 6.62%
Net income 8.39% 9.11% 8.59% 5.80% 3.77%
Return on average
equity (trailing
12 months)
Net operating income
before investment
gains and losses and
income tax provision
(benefit) 11.80% 12.64% 12.57% 12.74% 12.60%
Net income 14.94% 16.41% 15.73% 10.83% 7.17%
Yield on average loan
portfolio at fair
value
Average LIBOR 5.36% 5.36% 5.45% 5.01% 3.27%
Spread to average
LIBOR on average
yielding loan
portfolio at
fair value (e) 8.34% 8.35% 8.21% 8.31% 9.73%
13.70% 13.71% 13.66% 13.32% 13.00%
Impact of fee
accelerations of
unearned fees on
paid/restructured
loans 0.21% 0.02% 0.20% 0.13% 0.03%
Impact of previously
unaccrued income 0.00% 1.48% 0.00% 0.00% 0.00%
Impact of non-accrual
loans (1.69%) (1.67%) (1.65%) (1.33%) (0.90%)
Total yield on
average loan
portfolio at
fair value 12.22% 13.54% 12.21% 12.12% 12.13%
Cost of funds
Average LIBOR 5.36% 5.36% 5.45% 5.01% 3.27%
Spread to average
LIBOR excluding
amortization of
deferred debt
issuance costs (e) 1.01% 1.04% 0.96% 1.08% 2.07%
Impact of amortization
of deferred debt
issuance costs 0.33% 0.20% 0.16% 0.22% 0.27%
Total cost of funds 6.70% 6.60% 6.57% 6.31% 5.61%
Net interest margin 8.70% 10.39% 8.76% 8.83% 8.29%

Selected period end
balance sheet
statistics:
Total investment
portfolio at
fair value $1,342,166 $1,463,208 $1,514,957 $1,545,090 $1,512,416
Total assets 1,409,996 1,573,123 1,579,386 1,637,581 1,574,686
Borrowings 606,102 701,065 659,780 751,035 720,336
Total equity 760,698 826,991 866,309 834,689 810,203
Cash, securitization
accounts 20,866 34,260 20,325 37,003 20,494
Period end debt
to period end
equity 79.68% 84.77% 76.16% 89.98% 88.91%
Period end debt,
net of cash,
securitization
accounts to period
end equity 76.93% 80.63% 73.81% 85.54% 86.38%

Other statistics
(at period end):
Number of portfolio
companies 84 87 86 81 79
Number of employees 86 90 94 95 98
Loans on non-accrual
as a percentage of
total debt investments
(fair value) (f) 12.09% 10.67% 10.08% 6.52% 7.06%
Loans past due greater
than 90 days as a
percentage of total
debt investments
(fair value) 2.31% 0.22% 0.77% 0.00% 1.18%

(e) The impact due to the timing of the LIBOR resets is included in the
spread to average LIBOR. The impact to the yield on average loan
portfolio at fair value for Q4 2007 and Q1 2008 was approximately
0.20% and 0.88%, respectively. The impact to the cost of funds for Q4
2007 and Q1 2008 was approximately 0.03% and 0.79%, respectively
(f) At March 31, 2007, June 30, 2007, September 30, 2007, December 31,
2007 and March 31, 2008 the impact of Cleartel on loans on non-accrual
as a percentage of total debt investment at fair value is 8.29%,
7.70%, 5.37%, 2.44% and 2.94%, respectively. The decrease in the
impact of Cleartel on the non-accrual percentage from Q1 2007 through
Q4 2007 is a result of the unrealized depreciation recorded during
2007.

Selected Financial Data
(dollars in thousands)
(unaudited)

2007 2007 2007 2007 2008
Q1 Q2 Q3 Q4 Q1
Investment rating: (g)
IR 1 total investments
at fair value (h) $835,338 $931,312 $986,207 $1,107,050 $1,045,038
IR 2 total investments
at fair value 258,936 271,131 265,365 207,668 192,358
IR 3 total investments
at fair value 221,998 231,055 175,030 180,193 218,896
IR 4 total investments
at fair value 24,600 26,723 26,188 20,113 21,703
IR 5 total investments
at fair value 1,294 2,987 62,167 30,066 34,421

IR 1 percentage of total
portfolio 62.2% 63.6% 65.1% 71.7% 69.1%
IR 2 percentage of total
portfolio 19.3% 18.5% 17.5% 13.4% 12.7%
IR 3 percentage of total
portfolio 16.6% 15.9% 11.6% 11.7% 14.5%
IR 4 percentage of total
portfolio 1.8% 1.8% 1.7% 1.3% 1.4%
IR 5 percentage of total
portfolio 0.1% 0.2% 4.1% 1.9% 2.3%

New investments by
security type
Secured senior debt $73,202 $101,544 $62,117 $51,432 $9,782
Subordinated debt 70,691 38,978 48,885 63,491 9,692
Preferred equity 33,945 48,584 25,681 48,249 17,710
Common/Common equivalents
equity 52 2,194 4,057 2,390 9
Total $177,890 $191,300 $140,740 $165,562 $37,193

Exits and repayments by
security type
Secured senior debt $31,114 $26,195 $70,599 $63,679 $33,532
Subordinated debt 51,990 29,306 17,233 20,873 13,696
Preferred equity 2,484 11,460 70 4,902 3,592
Common/Common equivalents
equity 8,225 11,503 2,977 11,263 751
Total $93,813 $78,464 $90,879 $100,717 $51,571

Exits and repayments by
transaction type
Scheduled principal
amortization $5,487 $9,386 $17,897 $17,689 $9,773
Senior loan sales 2,000 2,603 - 28,506 10,733
Principal prepayments 72,266 38,026 67,466 35,586 27,332
Payment of payment-in-kind
interest and dividends 4,740 8,955 2,547 5,816 2,990
Sale of equity investments 9,320 19,494 2,969 13,120 743
Total $93,813 $78,464 $90,879 $100,717 $51,571

(g) MCG uses an investment rating system to characterize and monitor our
expected level of returns on each investment in our portfolio. We use
the following 1 to 5 investment rating scale:
1 Capital gain expected or realized
2 Full return of principal and interest or dividend expected with
customer performing in accordance with plan
3 Full return of principal and interest or dividend expected but
customer requires closer monitoring
4 Some loss of interest or dividend expected but still expecting an
overall positive internal rate of return on the investment
5 Loss of interest or dividend and some loss of principal investment
expected which would result in an overall negative internal rate of
return on the investment
(h) At March 31, 2007, June 30, 2007, September 30, 2007, December 31,
2007 and March 31, 2008, approximately $460,326, $524,030, $545,135,
$620,584 and $593,388, respectively, of our investments with an
investment rating of "1" were loans to companies in which we also hold
equity securities or for which we have already realized a gain on our
equity investment.

Selected Financial Data
(dollars in thousands)
(unaudited)

2007 2007 2007 2007 2008
Q1 Q2 Q3 Q4 Q1

Composition of
investments at
period end,
fair value
Secured senior debt $425,433 $499,369 $492,355 $479,214 $452,445
Subordinated debt
Secured 509,486 534,955 516,642 522,742 513,467
Unsecured 25,404 12,034 37,075 32,189 32,722
Total debt 960,323 1,046,358 1,046,072 1,034,145 998,634
Preferred equity 326,567 357,928 401,273 447,229 449,978
Common/Common
equivalents equity 55,276 58,922 67,612 63,716 63,804
Total equity 381,843 416,850 468,885 510,945 513,782
Total $1,342,166 $1,463,208 $1,514,957 $1,545,090 $1,512,416

Percentage of
investments at
period end,
fair value
Secured senior debt 31.7% 34.1% 32.5% 31.0% 29.9%
Subordinated debt
Secured 38.0% 36.6% 34.1% 33.9% 34.0%
Unsecured 1.9% 0.8% 2.4% 2.1% 2.1%
Total debt 71.6% 71.5% 69.0% 67.0% 66.0%
Preferred equity 24.3% 24.5% 26.5% 28.9% 29.8%
Common/Common
equivalents equity 4.1% 4.0% 4.5% 4.1% 4.2%
Total equity 28.4% 28.5% 31.0% 33.0% 34.0%
Total 100.0% 100.0% 100.0% 100.0% 100.0%

About MCG Capital Corporation


MCG Capital Corporation is a solutions-focused commercial finance company providing capital and advisory services to middle market companies throughout the United States. Our investment objective is to achieve current income and capital gains. Our capital is generally used by our portfolio companies to finance acquisitions, recapitalizations, buyouts, organic growth and working capital.

Forward-looking Statements:

This press release contains forward-looking statements (i.e., statements that are not historical fact) describing the Company's future plans and objectives. These forward-looking statements are not guarantees of future performance and are subject to risks, uncertainties, and other factors, some of which are beyond our control and difficult to predict and could cause actual results to differ materially from those expressed or forecasted in the forward-looking statements including, without limitation, the risks, uncertainties and other factors we identify from time to time in our filings with the Securities and Exchange Commission, including our Form 10-Ks, Form 10-Qs and Form 8-Ks. Although we believe that the assumptions on which these forward-looking statements are based are reasonable, any of those assumptions could prove to be inaccurate and, as a result, the forward-looking statements based on those assumptions also could be incorrect. In light of these and other uncertainties, the inclusion of a projection or forward-looking statement in this press release should not be regarded as a representation by us that our plans and objectives will be achieved. You should not place undue reliance on these forward-looking statements, which apply only as of the date of this press release. We undertake no obligation to update such statements to reflect subsequent events.

First Call Analyst:
FCMN Contact: mmurphy@mcgcapital.com


Source: MCG Capital Corporation

CONTACT: Susan R. Camp of MCG Capital Corporation, +1-703-562-7110,
SCamp@MCGCapital.com

Web site: http://www.mcgcapital.com/
http://investor.mcgcapital.com/


2008-05-07 20:12:19 0355928 PRNEWSWIRE

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