Call reports 2001
MARTINSBURG BANK AND TRUST — 2001
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 120,309,000 | 122,327,000 | 122,210,000 | 121,909,000 |
| Total loans | 83,540,000 | 84,963,000 | 85,099,000 | 83,640,000 |
| Allowance for loan losses | 697,000 | 722,000 | 762,000 | 676,000 |
| Securities available for sale | 24,329,000 | 24,129,000 | 24,563,000 | 24,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,947,000 | 100,723,000 | 100,860,000 | 101,075,000 |
| Interest-bearing deposits | 91,544,000 | 92,454,000 | 92,620,000 | 91,688,000 |
| Noninterest-bearing deposits | 7,403,000 | 8,269,000 | 8,240,000 | 9,387,000 |
| Equity capital | 10,377,000 | 10,615,000 | 11,123,000 | 11,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,300,000 | 4,635,000 | 6,946,000 | 9,108,000 |
| Interest expense | 1,207,000 | 2,411,000 | 3,513,000 | 4,471,000 |
| Net interest income | 1,093,000 | 2,224,000 | 3,433,000 | 4,637,000 |
| Noninterest income | 181,000 | 358,000 | 541,000 | 721,000 |
| Noninterest expense | 879,000 | 1,764,000 | 2,660,000 | 3,674,000 |
| Provision for loan losses | 30,000 | 116,000 | 161,000 | 246,000 |
| Pretax income | 365,000 | 702,000 | 1,203,000 | 1,488,000 |
| Income tax | 105,000 | 194,000 | 343,000 | 398,000 |
| Net income | 260,000 | 508,000 | 860,000 | 1,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,065,000 | 10,313,000 | 10,665,000 | 10,779,000 |
| Total capital | 10,762,000 | 11,035,000 | 11,427,000 | 11,455,000 |
| Risk-weighted assets | 90,515,000 | 90,269,000 | 90,585,000 | 86,932,000 |