Call reports 2016
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2016
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 169,204,000 | 170,448,000 | 172,948,000 | 176,907,000 |
| Total loans | 120,380,000 | 126,440,000 | 130,332,000 | 132,572,000 |
| Allowance for loan losses | 1,419,000 | 1,376,000 | 1,349,000 | 1,336,000 |
| Securities available for sale | 10,171,000 | 10,655,000 | 8,370,000 | 10,405,000 |
| Securities held to maturity | 23,982,000 | 24,484,000 | 23,710,000 | 24,034,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,158,000 | 148,642,000 | 152,779,000 | 156,281,000 |
| Interest-bearing deposits | 124,810,000 | 125,470,000 | 127,902,000 | 131,163,000 |
| Noninterest-bearing deposits | 23,348,000 | 23,172,000 | 24,877,000 | 25,118,000 |
| Equity capital | 14,881,000 | 15,094,000 | 15,362,000 | 15,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,712,000 | 3,450,000 | 5,258,000 | 7,070,000 |
| Interest expense | 225,000 | 454,000 | 695,000 | 940,000 |
| Net interest income | 1,487,000 | 2,996,000 | 4,563,000 | 6,130,000 |
| Noninterest income | 276,000 | 599,000 | 938,000 | 1,245,000 |
| Noninterest expense | 1,435,000 | 2,937,000 | 4,423,000 | 5,824,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 328,000 | 658,000 | 1,078,000 | 1,551,000 |
| Income tax | 81,000 | 167,000 | 268,000 | 400,000 |
| Net income | 247,000 | 491,000 | 810,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,890,000 | 15,080,000 | 15,353,000 | 15,452,000 |
| Total capital | 16,216,000 | 16,455,000 | 16,702,000 | 16,788,000 |
| Risk-weighted assets | 105,993,000 | 109,973,000 | 111,435,000 | 113,874,000 |