Call reports 2015
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2015
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 161,410,000 | 159,964,000 | 160,438,000 | 167,586,000 |
| Total loans | 119,010,000 | 119,305,000 | 122,292,000 | 122,384,000 |
| Allowance for loan losses | 1,336,000 | 1,335,000 | 1,322,000 | 1,422,000 |
| Securities available for sale | 8,426,000 | 9,395,000 | 7,887,000 | 8,781,000 |
| Securities held to maturity | 21,296,000 | 21,552,000 | 20,954,000 | 22,358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,041,000 | 137,390,000 | 138,634,000 | 145,950,000 |
| Interest-bearing deposits | 108,246,000 | 107,483,000 | 108,298,000 | 112,205,000 |
| Noninterest-bearing deposits | 30,795,000 | 29,907,000 | 30,336,000 | 33,745,000 |
| Equity capital | 14,363,000 | 14,505,000 | 14,763,000 | 14,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,653,000 | 3,301,000 | 4,982,000 | 6,919,000 |
| Interest expense | 217,000 | 435,000 | 652,000 | 882,000 |
| Net interest income | 1,436,000 | 2,866,000 | 4,330,000 | 6,037,000 |
| Noninterest income | 247,000 | 517,000 | 807,000 | 1,015,000 |
| Noninterest expense | 1,411,000 | 2,847,000 | 4,198,000 | 5,681,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 272,000 | 536,000 | 939,000 | 1,371,000 |
| Income tax | 61,000 | 108,000 | 229,000 | 350,000 |
| Net income | 211,000 | 428,000 | 710,000 | 1,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,379,000 | 14,540,000 | 14,767,000 | 14,697,000 |
| Total capital | 15,706,000 | 15,803,000 | 16,086,000 | 16,044,000 |
| Risk-weighted assets | 106,153,000 | 101,000,000 | 105,548,000 | 107,648,000 |