Call reports 2022
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2022
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 261,836,000 | 263,665,000 | 271,501,000 | 277,592,000 |
| Total loans | 171,260,000 | 182,655,000 | 191,455,000 | 193,904,000 |
| Allowance for loan losses | 1,439,000 | 1,443,000 | 1,430,000 | 1,465,000 |
| Securities available for sale | 64,530,000 | 63,772,000 | 60,214,000 | 60,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,100,000 | 236,125,000 | 236,556,000 | 242,704,000 |
| Interest-bearing deposits | 188,274,000 | 188,478,000 | 186,510,000 | 195,806,000 |
| Noninterest-bearing deposits | 47,826,000 | 47,647,000 | 50,046,000 | 46,898,000 |
| Equity capital | 18,838,000 | 18,061,000 | 16,563,000 | 17,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,141,000 | 4,419,000 | 6,911,000 | 9,589,000 |
| Interest expense | 336,000 | 655,000 | 1,099,000 | 1,791,000 |
| Net interest income | 1,805,000 | 3,764,000 | 5,812,000 | 7,798,000 |
| Noninterest income | 443,000 | 895,000 | 1,360,000 | 1,823,000 |
| Noninterest expense | 1,700,000 | 3,458,000 | 5,416,000 | 7,359,000 |
| Provision for loan losses | 6,000 | 12,000 | 21,000 | 66,000 |
| Pretax income | 542,000 | 1,189,000 | 1,735,000 | 2,196,000 |
| Income tax | 121,000 | 262,000 | 377,000 | 485,000 |
| Net income | 421,000 | 927,000 | 1,358,000 | 1,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,774,000 | 22,231,000 | 22,612,000 | 22,592,000 |
| Total capital | 23,213,000 | 23,674,000 | 24,042,000 | 24,057,000 |
| Risk-weighted assets | 154,850,000 | 162,381,000 | 167,042,000 | 170,817,000 |