Call reports 2021
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2021
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 249,165,000 | 254,627,000 | 254,380,000 | 257,667,000 |
| Total loans | 173,044,000 | 173,939,000 | 170,309,000 | 170,846,000 |
| Allowance for loan losses | 1,407,000 | 1,371,000 | 1,452,000 | 1,441,000 |
| Securities available for sale | 19,659,000 | 23,965,000 | 55,279,000 | 64,377,000 |
| Securities held to maturity | 16,699,000 | 17,760,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,850,000 | 220,465,000 | 220,248,000 | 224,982,000 |
| Interest-bearing deposits | 174,419,000 | 178,940,000 | 176,558,000 | 180,186,000 |
| Noninterest-bearing deposits | 41,431,000 | 41,525,000 | 43,690,000 | 44,796,000 |
| Equity capital | 19,404,000 | 19,758,000 | 21,278,000 | 20,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,117,000 | 4,361,000 | 8,479,000 | 10,733,000 |
| Interest expense | 401,000 | 802,000 | 1,195,000 | 1,572,000 |
| Net interest income | 1,716,000 | 3,559,000 | 7,284,000 | 9,161,000 |
| Noninterest income | 406,000 | 817,000 | 1,232,000 | 1,686,000 |
| Noninterest expense | 1,572,000 | 3,266,000 | 5,278,000 | 7,085,000 |
| Provision for loan losses | 3,000 | 6,000 | 112,000 | 116,000 |
| Pretax income | 547,000 | 1,104,000 | 3,126,000 | 3,646,000 |
| Income tax | 116,000 | 237,000 | 721,000 | 833,000 |
| Net income | 431,000 | 867,000 | 2,405,000 | 2,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,499,000 | 19,884,000 | 21,370,000 | 21,404,000 |
| Total capital | — | — | 22,822,000 | 22,845,000 |
| Risk-weighted assets | — | — | 147,955,000 | 151,403,000 |