Call reports 2012
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2012
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 147,346,000 | 145,945,000 | 146,040,000 | 147,160,000 |
| Total loans | 98,459,000 | 101,120,000 | 103,297,000 | 104,727,000 |
| Allowance for loan losses | 1,431,000 | 1,424,000 | 1,438,000 | 1,455,000 |
| Securities available for sale | 8,084,000 | 9,271,000 | 7,687,000 | 6,104,000 |
| Securities held to maturity | 21,696,000 | 22,439,000 | 23,159,000 | 25,981,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,381,000 | 121,951,000 | 120,994,000 | 124,186,000 |
| Interest-bearing deposits | 96,526,000 | 96,955,000 | 96,159,000 | 97,785,000 |
| Noninterest-bearing deposits | 26,855,000 | 24,996,000 | 24,835,000 | 26,401,000 |
| Equity capital | 12,986,000 | 13,132,000 | 13,330,000 | 13,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,657,000 | 3,451,000 | 5,143,000 | 6,809,000 |
| Interest expense | 354,000 | 720,000 | 1,081,000 | 1,421,000 |
| Net interest income | 1,303,000 | 2,731,000 | 4,062,000 | 5,388,000 |
| Noninterest income | 171,000 | 493,000 | 774,000 | 1,036,000 |
| Noninterest expense | 1,174,000 | 2,625,000 | 3,825,000 | 5,255,000 |
| Provision for loan losses | 75,000 | 125,000 | 175,000 | 175,000 |
| Pretax income | 225,000 | 474,000 | 836,000 | 994,000 |
| Income tax | 39,000 | 88,000 | 182,000 | 198,000 |
| Net income | 186,000 | 386,000 | 654,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,970,000 | 13,113,000 | 13,324,000 | 13,087,000 |
| Total capital | 14,145,000 | 14,321,000 | 14,539,000 | 14,332,000 |
| Risk-weighted assets | 93,755,000 | 96,446,000 | 96,995,000 | 99,367,000 |