Call reports 2002
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2002
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 107,579,000 | 107,052,000 | 109,002,000 | 113,925,000 |
| Total loans | 61,474,000 | 62,648,000 | 63,320,000 | 65,220,000 |
| Allowance for loan losses | 1,402,000 | 1,343,000 | 1,328,000 | 1,272,000 |
| Securities available for sale | 21,678,000 | 22,393,000 | 23,080,000 | 25,749,000 |
| Securities held to maturity | 14,814,000 | 14,705,000 | 14,074,000 | 14,852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,229,000 | 90,985,000 | 91,893,000 | 94,117,000 |
| Interest-bearing deposits | 78,355,000 | 77,950,000 | 78,943,000 | 79,493,000 |
| Noninterest-bearing deposits | 13,874,000 | 13,035,000 | 12,950,000 | 14,624,000 |
| Equity capital | 11,969,000 | 12,280,000 | 12,627,000 | 12,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,726,000 | 3,409,000 | 5,115,000 | 6,782,000 |
| Interest expense | 799,000 | 1,556,000 | 2,317,000 | 3,068,000 |
| Net interest income | 927,000 | 1,853,000 | 2,798,000 | 3,714,000 |
| Noninterest income | 169,000 | 352,000 | 558,000 | 822,000 |
| Noninterest expense | 869,000 | 1,786,000 | 2,636,000 | 3,526,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 77,000 | 269,000 | 570,000 | 860,000 |
| Income tax | 0 | -40,000 | -13,000 | 42,000 |
| Net income | 77,000 | 309,000 | 583,000 | 818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,893,000 | 12,061,000 | 12,271,000 | 12,313,000 |
| Total capital | 12,669,000 | 12,844,000 | 13,063,000 | 13,137,000 |
| Risk-weighted assets | 61,454,000 | 62,074,000 | 62,834,000 | 65,434,000 |