Call reports 2013
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2013
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 151,945,000 | 150,129,000 | 152,014,000 | 151,967,000 |
| Total loans | 103,555,000 | 104,406,000 | 107,777,000 | 109,063,000 |
| Allowance for loan losses | 1,465,000 | 1,466,000 | 1,459,000 | 1,462,000 |
| Securities available for sale | 8,528,000 | 9,177,000 | 9,169,000 | 9,072,000 |
| Securities held to maturity | 27,172,000 | 28,154,000 | 27,434,000 | 26,147,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,007,000 | 127,436,000 | 125,637,000 | 125,042,000 |
| Interest-bearing deposits | 99,451,000 | 99,094,000 | 97,604,000 | 97,180,000 |
| Noninterest-bearing deposits | 29,556,000 | 28,342,000 | 28,033,000 | 27,862,000 |
| Equity capital | 13,255,000 | 13,239,000 | 13,498,000 | 13,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,651,000 | 3,269,000 | 4,937,000 | 6,611,000 |
| Interest expense | 321,000 | 625,000 | 918,000 | 1,189,000 |
| Net interest income | 1,330,000 | 2,644,000 | 4,019,000 | 5,422,000 |
| Noninterest income | 222,000 | 479,000 | 736,000 | 1,012,000 |
| Noninterest expense | 1,249,000 | 2,445,000 | 3,666,000 | 5,014,000 |
| Provision for loan losses | 15,000 | 55,000 | 55,000 | 80,000 |
| Pretax income | 288,000 | 623,000 | 1,034,000 | 1,340,000 |
| Income tax | 58,000 | 136,000 | 239,000 | 312,000 |
| Net income | 230,000 | 487,000 | 795,000 | 1,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,259,000 | 13,460,000 | 13,711,000 | 13,688,000 |
| Total capital | 14,509,000 | 14,703,000 | 14,979,000 | 14,954,000 |
| Risk-weighted assets | 99,747,000 | 99,184,000 | 101,239,000 | 101,113,000 |