Call reports 2006
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2006
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 124,911,000 | 126,114,000 | 125,403,000 | 127,412,000 |
| Total loans | 81,174,000 | 83,650,000 | 84,301,000 | 84,977,000 |
| Allowance for loan losses | 956,000 | 917,000 | 957,000 | 717,000 |
| Securities available for sale | 21,673,000 | 21,624,000 | 16,866,000 | 17,394,000 |
| Securities held to maturity | 13,543,000 | 13,295,000 | 13,092,000 | 12,993,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,549,000 | 100,005,000 | 101,423,000 | 103,298,000 |
| Interest-bearing deposits | 81,833,000 | 82,456,000 | 83,755,000 | 84,394,000 |
| Noninterest-bearing deposits | 18,716,000 | 17,549,000 | 17,668,000 | 18,904,000 |
| Equity capital | 12,985,000 | 13,126,000 | 12,495,000 | 12,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,744,000 | 3,562,000 | 5,559,000 | 7,578,000 |
| Interest expense | 673,000 | 1,401,000 | 2,197,000 | 3,040,000 |
| Net interest income | 1,071,000 | 2,161,000 | 3,362,000 | 4,538,000 |
| Noninterest income | 209,000 | 431,000 | 611,000 | 855,000 |
| Noninterest expense | 960,000 | 1,910,000 | 2,887,000 | 3,868,000 |
| Provision for loan losses | 38,000 | 165,000 | 190,000 | 290,000 |
| Pretax income | 282,000 | 517,000 | 894,000 | 1,233,000 |
| Income tax | 40,000 | 75,000 | 130,000 | 239,000 |
| Net income | 242,000 | 442,000 | 764,000 | 994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,100,000 | 13,237,000 | 12,505,000 | 12,556,000 |
| Total capital | 14,033,000 | 14,154,000 | 13,462,000 | 13,273,000 |
| Risk-weighted assets | 74,622,000 | 76,893,000 | 76,938,000 | 78,641,000 |