Call reports 2004
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2004
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 125,488,000 | 129,933,000 | 127,491,000 | 124,418,000 |
| Total loans | 73,861,000 | 73,894,000 | 74,818,000 | 72,631,000 |
| Allowance for loan losses | 1,247,000 | 1,011,000 | 1,006,000 | 1,027,000 |
| Securities available for sale | 25,890,000 | 34,489,000 | 30,956,000 | 30,069,000 |
| Securities held to maturity | 15,482,000 | 15,317,000 | 15,155,000 | 14,885,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,939,000 | 104,374,000 | 101,567,000 | 99,841,000 |
| Interest-bearing deposits | 82,084,000 | 88,836,000 | 85,421,000 | 83,192,000 |
| Noninterest-bearing deposits | 15,855,000 | 15,538,000 | 16,146,000 | 16,649,000 |
| Equity capital | 12,944,000 | 12,823,000 | 12,992,000 | 12,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,577,000 | 3,178,000 | 4,785,000 | 6,441,000 |
| Interest expense | 704,000 | 1,424,000 | 2,112,000 | 2,748,000 |
| Net interest income | 873,000 | 1,754,000 | 2,673,000 | 3,693,000 |
| Noninterest income | 199,000 | 421,000 | 639,000 | 844,000 |
| Noninterest expense | 846,000 | 1,730,000 | 2,599,000 | 3,651,000 |
| Provision for loan losses | 38,000 | 100,000 | 175,000 | 200,000 |
| Pretax income | 188,000 | 345,000 | 538,000 | 685,000 |
| Income tax | 10,000 | 10,000 | 15,000 | 53,000 |
| Net income | 178,000 | 335,000 | 523,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,728,000 | 12,821,000 | 12,944,000 | 12,893,000 |
| Total capital | 13,640,000 | 13,735,000 | 13,860,000 | 13,778,000 |
| Risk-weighted assets | 72,627,000 | 73,063,000 | 73,217,000 | 70,690,000 |