Call reports 2003
MARTINSBURG BANK AND TRUST — 2003
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 125,978,000 | 122,477,000 | 125,633,000 | 131,181,000 |
| Total loans | 83,683,000 | 85,760,000 | 87,281,000 | 84,839,000 |
| Allowance for loan losses | 795,000 | 788,000 | 784,000 | 695,000 |
| Securities available for sale | 27,629,000 | 26,594,000 | 27,836,000 | 31,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,079,000 | 100,223,000 | 100,107,000 | 107,899,000 |
| Interest-bearing deposits | 93,791,000 | 91,100,000 | 89,828,000 | 97,624,000 |
| Noninterest-bearing deposits | 9,288,000 | 9,123,000 | 10,279,000 | 10,275,000 |
| Equity capital | 12,324,000 | 12,715,000 | 12,941,000 | 13,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,782,000 | 3,552,000 | 5,375,000 | 7,145,000 |
| Interest expense | 580,000 | 1,135,000 | 1,663,000 | 2,156,000 |
| Net interest income | 1,202,000 | 2,417,000 | 3,712,000 | 4,989,000 |
| Noninterest income | 165,000 | 356,000 | 546,000 | 738,000 |
| Noninterest expense | 1,026,000 | 1,992,000 | 2,938,000 | 3,959,000 |
| Provision for loan losses | 150,000 | 152,000 | 157,000 | 161,000 |
| Pretax income | 231,000 | 667,000 | 1,197,000 | 1,630,000 |
| Income tax | 36,000 | 150,000 | 298,000 | 405,000 |
| Net income | 195,000 | 517,000 | 899,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,888,000 | 12,210,000 | 12,593,000 | 12,785,000 |
| Total capital | 12,683,000 | 12,998,000 | 13,377,000 | 13,480,000 |
| Risk-weighted assets | 91,125,000 | 91,982,000 | 93,216,000 | 90,945,000 |