Call reports 2001
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2001
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 105,580,000 | 106,908,000 | 106,359,000 | 106,172,000 |
| Total loans | 67,080,000 | 66,148,000 | 65,789,000 | 63,548,000 |
| Allowance for loan losses | 1,198,000 | 1,094,000 | 1,171,000 | 1,293,000 |
| Securities available for sale | 12,079,000 | 15,648,000 | 16,323,000 | 19,352,000 |
| Securities held to maturity | 17,571,000 | 15,700,000 | 15,183,000 | 14,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,734,000 | 92,824,000 | 91,796,000 | 91,047,000 |
| Interest-bearing deposits | 79,011,000 | 79,986,000 | 79,192,000 | 78,075,000 |
| Noninterest-bearing deposits | 12,723,000 | 12,838,000 | 12,604,000 | 12,972,000 |
| Equity capital | 12,033,000 | 12,056,000 | 12,254,000 | 12,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,082,000 | 4,083,000 | 6,066,000 | 7,903,000 |
| Interest expense | 1,081,000 | 2,141,000 | 3,146,000 | 4,054,000 |
| Net interest income | 1,001,000 | 1,942,000 | 2,920,000 | 3,849,000 |
| Noninterest income | 136,000 | 301,000 | 489,000 | 662,000 |
| Noninterest expense | 931,000 | 1,827,000 | 2,679,000 | 3,584,000 |
| Provision for loan losses | 87,000 | 237,000 | 387,000 | 637,000 |
| Pretax income | 119,000 | 179,000 | 343,000 | 290,000 |
| Income tax | 0 | 0 | 0 | -100,000 |
| Net income | 119,000 | 179,000 | 343,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,865,000 | 11,861,000 | 11,962,000 | 11,880,000 |
| Total capital | 12,683,000 | 12,678,000 | 12,775,000 | 12,660,000 |
| Risk-weighted assets | 65,029,000 | 65,059,000 | 64,686,000 | 61,904,000 |