Call reports 2011
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2011
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 135,006,000 | 133,723,000 | 137,738,000 | 136,776,000 |
| Total loans | 95,296,000 | 96,948,000 | 98,049,000 | 99,297,000 |
| Allowance for loan losses | 1,211,000 | 1,284,000 | 1,349,000 | 1,372,000 |
| Securities available for sale | 9,041,000 | 8,552,000 | 6,524,000 | 8,172,000 |
| Securities held to maturity | 17,581,000 | 16,750,000 | 16,793,000 | 19,560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,888,000 | 112,466,000 | 112,601,000 | 112,930,000 |
| Interest-bearing deposits | 94,954,000 | 94,558,000 | 95,075,000 | 95,444,000 |
| Noninterest-bearing deposits | 17,934,000 | 17,908,000 | 17,526,000 | 17,486,000 |
| Equity capital | 12,647,000 | 12,840,000 | 12,959,000 | 12,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,588,000 | 3,222,000 | 4,824,000 | 6,468,000 |
| Interest expense | 378,000 | 776,000 | 1,152,000 | 1,526,000 |
| Net interest income | 1,210,000 | 2,446,000 | 3,672,000 | 4,942,000 |
| Noninterest income | 256,000 | 478,000 | 716,000 | 934,000 |
| Noninterest expense | 1,068,000 | 2,140,000 | 3,310,000 | 4,850,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 275,000 |
| Pretax income | 323,000 | 634,000 | 853,000 | 751,000 |
| Income tax | 65,000 | 136,000 | 175,000 | 106,000 |
| Net income | 258,000 | 498,000 | 678,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,626,000 | 12,808,000 | 12,931,000 | 12,841,000 |
| Total capital | 13,772,000 | 13,951,000 | 14,089,000 | 13,996,000 |
| Risk-weighted assets | 91,587,000 | 91,284,000 | 92,420,000 | 92,202,000 |