Call reports 2010
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2010
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 138,107,000 | 134,063,000 | 130,603,000 | 131,722,000 |
| Total loans | 88,452,000 | 91,006,000 | 90,725,000 | 94,549,000 |
| Allowance for loan losses | 1,539,000 | 1,426,000 | 848,000 | 1,131,000 |
| Securities available for sale | 11,106,000 | 9,092,000 | 7,579,000 | 8,048,000 |
| Securities held to maturity | 16,712,000 | 15,852,000 | 17,706,000 | 17,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,787,000 | 112,580,000 | 108,664,000 | 109,917,000 |
| Interest-bearing deposits | 97,809,000 | 95,375,000 | 92,063,000 | 92,705,000 |
| Noninterest-bearing deposits | 17,978,000 | 17,205,000 | 16,601,000 | 17,212,000 |
| Equity capital | 13,231,000 | 13,092,000 | 12,601,000 | 12,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,580,000 | 3,189,000 | 4,812,000 | 6,462,000 |
| Interest expense | 553,000 | 1,088,000 | 1,557,000 | 2,025,000 |
| Net interest income | 1,027,000 | 2,101,000 | 3,255,000 | 4,437,000 |
| Noninterest income | 214,000 | 442,000 | 683,000 | 924,000 |
| Noninterest expense | 1,092,000 | 2,227,000 | 3,327,000 | 4,840,000 |
| Provision for loan losses | 75,000 | 450,000 | 1,375,000 | 1,660,000 |
| Pretax income | 74,000 | -134,000 | -764,000 | -1,139,000 |
| Income tax | -25,000 | -143,000 | -341,000 | -587,000 |
| Net income | 99,000 | 9,000 | -423,000 | -552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,190,000 | 13,043,000 | 12,554,000 | 12,425,000 |
| Total capital | 14,308,000 | 14,179,000 | 13,402,000 | 13,556,000 |
| Risk-weighted assets | 89,055,000 | 90,606,000 | 89,366,000 | 91,218,000 |