Call reports 2005
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2005
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 122,764,000 | 121,012,000 | 123,235,000 | 122,470,000 |
| Total loans | 70,210,000 | 71,335,000 | 77,323,000 | 81,247,000 |
| Allowance for loan losses | 1,036,000 | 1,053,000 | 1,035,000 | 933,000 |
| Securities available for sale | 29,817,000 | 27,834,000 | 24,756,000 | 21,690,000 |
| Securities held to maturity | 14,773,000 | 14,550,000 | 13,896,000 | 13,597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,679,000 | 96,336,000 | 96,838,000 | 97,280,000 |
| Interest-bearing deposits | 81,253,000 | 79,379,000 | 78,069,000 | 79,043,000 |
| Noninterest-bearing deposits | 17,426,000 | 16,957,000 | 18,769,000 | 18,237,000 |
| Equity capital | 12,849,000 | 13,053,000 | 13,009,000 | 12,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,533,000 | 3,153,000 | 4,792,000 | 6,503,000 |
| Interest expense | 588,000 | 1,175,000 | 1,789,000 | 2,443,000 |
| Net interest income | 945,000 | 1,978,000 | 3,003,000 | 4,060,000 |
| Noninterest income | 190,000 | 395,000 | 608,000 | 840,000 |
| Noninterest expense | 897,000 | 1,804,000 | 2,752,000 | 3,875,000 |
| Provision for loan losses | 20,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 218,000 | 519,000 | 806,000 | 964,000 |
| Income tax | 20,000 | 73,000 | 88,000 | 114,000 |
| Net income | 198,000 | 446,000 | 718,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,027,000 | 13,171,000 | 13,143,000 | 13,021,000 |
| Total capital | 13,889,000 | 14,032,000 | 14,058,000 | 13,954,000 |
| Risk-weighted assets | 68,778,000 | 68,697,000 | 73,078,000 | 74,945,000 |