Call reports 2014
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2014
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 160,336,000 | 157,006,000 | 157,293,000 | 157,421,000 |
| Total loans | 112,649,000 | 114,138,000 | 116,615,000 | 118,565,000 |
| Allowance for loan losses | 1,467,000 | 1,446,000 | 1,440,000 | 1,336,000 |
| Securities available for sale | 9,185,000 | 9,274,000 | 9,268,000 | 9,313,000 |
| Securities held to maturity | 25,066,000 | 23,768,000 | 23,042,000 | 22,425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,536,000 | 132,922,000 | 130,716,000 | 133,015,000 |
| Interest-bearing deposits | 104,756,000 | 103,608,000 | 101,484,000 | 102,586,000 |
| Noninterest-bearing deposits | 28,780,000 | 29,314,000 | 29,232,000 | 30,429,000 |
| Equity capital | 13,695,000 | 13,907,000 | 14,153,000 | 14,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,618,000 | 3,269,000 | 4,965,000 | 6,647,000 |
| Interest expense | 246,000 | 481,000 | 712,000 | 937,000 |
| Net interest income | 1,372,000 | 2,788,000 | 4,253,000 | 5,710,000 |
| Noninterest income | 259,000 | 530,000 | 806,000 | 1,023,000 |
| Noninterest expense | 1,305,000 | 2,733,000 | 4,061,000 | 5,473,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 10,000 |
| Pretax income | 326,000 | 585,000 | 993,000 | 1,250,000 |
| Income tax | 72,000 | 130,000 | 235,000 | 290,000 |
| Net income | 254,000 | 455,000 | 758,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,884,000 | 14,030,000 | 14,276,000 | 14,223,000 |
| Total capital | 15,193,000 | 15,336,000 | 15,595,000 | 15,555,000 |
| Risk-weighted assets | 104,573,000 | 104,369,000 | 105,416,000 | 106,545,000 |