Call reports 2025
MORGANTOWN BANK & TRUST COMPANY, INCORPORATED — 2025
What MORGANTOWN BANK & TRUST COMPANY, INCORPORATED reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 393,822,000 | 414,864,000 | 420,349,000 | 421,664,000 |
| Total loans | 301,396,000 | 324,013,000 | 328,764,000 | 333,622,000 |
| Allowance for loan losses | 1,995,000 | 2,134,000 | 2,190,000 | 2,301,000 |
| Securities available for sale | 64,316,000 | 60,097,000 | 57,805,000 | 53,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,048,000 | 356,362,000 | 364,626,000 | 369,604,000 |
| Interest-bearing deposits | 289,739,000 | 300,351,000 | 307,915,000 | 312,304,000 |
| Noninterest-bearing deposits | 54,309,000 | 56,011,000 | 56,711,000 | 57,300,000 |
| Equity capital | 28,492,000 | 29,718,000 | 31,329,000 | 32,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,433,000 | 11,126,000 | 17,281,000 | 23,356,000 |
| Interest expense | 2,437,000 | 4,867,000 | 7,508,000 | 10,180,000 |
| Net interest income | 2,996,000 | 6,259,000 | 9,773,000 | 13,176,000 |
| Noninterest income | 529,000 | 1,158,000 | 1,834,000 | 2,501,000 |
| Noninterest expense | 2,448,000 | 5,036,000 | 7,953,000 | 10,937,000 |
| Provision for loan losses | 81,000 | 212,000 | 293,000 | 374,000 |
| Pretax income | 981,000 | 2,139,000 | 3,316,000 | 4,318,000 |
| Income tax | 214,000 | 484,000 | 762,000 | 955,000 |
| Net income | 767,000 | 1,655,000 | 2,554,000 | 3,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,668,000 | 32,556,000 | 33,704,000 | 34,513,000 |
| Total capital | 33,762,000 | 34,804,000 | 36,023,000 | 36,958,000 |
| Risk-weighted assets | 266,822,000 | 284,538,000 | 289,835,000 | 295,541,000 |