Call reports 2004
MARTINSBURG BANK AND TRUST — 2004
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 128,443,000 | 135,392,000 | 134,182,000 | 139,677,000 |
| Total loans | 86,521,000 | 90,003,000 | 92,348,000 | 91,569,000 |
| Allowance for loan losses | 715,000 | 694,000 | 734,000 | 699,000 |
| Securities available for sale | 31,316,000 | 30,457,000 | 29,701,000 | 31,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,806,000 | 108,729,000 | 101,866,000 | 111,560,000 |
| Interest-bearing deposits | 94,191,000 | 97,994,000 | 91,542,000 | 98,983,000 |
| Noninterest-bearing deposits | 10,615,000 | 10,735,000 | 10,324,000 | 12,577,000 |
| Equity capital | 13,598,000 | 13,471,000 | 14,054,000 | 14,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,730,000 | 3,485,000 | 5,285,000 | 7,118,000 |
| Interest expense | 474,000 | 953,000 | 1,463,000 | 2,011,000 |
| Net interest income | 1,256,000 | 2,532,000 | 3,822,000 | 5,107,000 |
| Noninterest income | 220,000 | 466,000 | 723,000 | 958,000 |
| Noninterest expense | 963,000 | 1,956,000 | 2,973,000 | 4,032,000 |
| Provision for loan losses | 16,000 | 60,000 | 101,000 | 116,000 |
| Pretax income | 504,000 | 971,000 | 1,450,000 | 1,888,000 |
| Income tax | 82,000 | 204,000 | 308,000 | 419,000 |
| Net income | 422,000 | 767,000 | 1,142,000 | 1,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,207,000 | 13,553,000 | 13,927,000 | 14,105,000 |
| Total capital | 13,922,000 | 14,247,000 | 14,661,000 | 14,804,000 |
| Risk-weighted assets | 91,900,000 | 95,138,000 | 96,893,000 | 99,294,000 |