Call reports 2007
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2007
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 129,705,000 | 131,569,000 | 132,230,000 | 133,882,000 |
| Total loans | 87,177,000 | 88,198,000 | 91,680,000 | 91,843,000 |
| Allowance for loan losses | 754,000 | 811,000 | 896,000 | 900,000 |
| Securities available for sale | 18,543,000 | 18,959,000 | 18,123,000 | 17,729,000 |
| Securities held to maturity | 13,525,000 | 13,542,000 | 13,874,000 | 13,475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,432,000 | 107,171,000 | 107,450,000 | 109,782,000 |
| Interest-bearing deposits | 85,843,000 | 88,896,000 | 89,096,000 | 91,195,000 |
| Noninterest-bearing deposits | 19,589,000 | 18,275,000 | 18,354,000 | 18,587,000 |
| Equity capital | 12,693,000 | 12,841,000 | 13,017,000 | 13,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,062,000 | 4,214,000 | 6,455,000 | 8,621,000 |
| Interest expense | 867,000 | 1,793,000 | 2,761,000 | 3,740,000 |
| Net interest income | 1,195,000 | 2,421,000 | 3,694,000 | 4,881,000 |
| Noninterest income | 182,000 | 424,000 | 650,000 | 887,000 |
| Noninterest expense | 981,000 | 2,023,000 | 3,042,000 | 3,733,000 |
| Provision for loan losses | 38,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 358,000 | 732,000 | 1,167,000 | 1,855,000 |
| Income tax | 60,000 | 164,000 | 255,000 | 317,000 |
| Net income | 298,000 | 568,000 | 912,000 | 1,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,670,000 | 12,881,000 | 12,948,000 | 13,214,000 |
| Total capital | 13,424,000 | 13,692,000 | 13,844,000 | 14,114,000 |
| Risk-weighted assets | 81,353,000 | 83,271,000 | 86,339,000 | 86,076,000 |