Call reports 2009
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2009
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 134,525,000 | 136,625,000 | 135,611,000 | 131,660,000 |
| Total loans | 89,766,000 | 88,717,000 | 89,276,000 | 90,102,000 |
| Allowance for loan losses | 1,330,000 | 1,359,000 | 1,413,000 | 1,512,000 |
| Securities available for sale | 12,836,000 | 12,786,000 | 15,486,000 | 12,151,000 |
| Securities held to maturity | 17,068,000 | 17,623,000 | 17,934,000 | 17,340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,533,000 | 109,140,000 | 107,906,000 | 108,793,000 |
| Interest-bearing deposits | 93,188,000 | 93,872,000 | 92,245,000 | 92,586,000 |
| Noninterest-bearing deposits | 15,345,000 | 15,268,000 | 15,661,000 | 16,207,000 |
| Equity capital | 13,310,000 | 13,367,000 | 13,366,000 | 13,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,836,000 | 3,566,000 | 5,184,000 | 6,867,000 |
| Interest expense | 647,000 | 1,268,000 | 1,890,000 | 2,481,000 |
| Net interest income | 1,189,000 | 2,298,000 | 3,294,000 | 4,386,000 |
| Noninterest income | 178,000 | 395,000 | 621,000 | 839,000 |
| Noninterest expense | 1,070,000 | 2,192,000 | 3,288,000 | 4,465,000 |
| Provision for loan losses | 150,000 | 250,000 | 325,000 | 550,000 |
| Pretax income | 147,000 | 251,000 | 302,000 | 210,000 |
| Income tax | 0 | -26,000 | -40,000 | -70,000 |
| Net income | 147,000 | 277,000 | 342,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,187,000 | 13,259,000 | 13,268,000 | 13,148,000 |
| Total capital | 14,257,000 | 14,334,000 | 14,383,000 | 14,271,000 |
| Risk-weighted assets | 85,355,000 | 85,739,000 | 88,919,000 | 89,477,000 |