Call reports 2005
MARTINSBURG BANK AND TRUST — 2005
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 140,658,000 | 141,712,000 | 140,445,000 | 151,217,000 |
| Total loans | 90,563,000 | 95,804,000 | 97,038,000 | 98,966,000 |
| Allowance for loan losses | 686,000 | 699,000 | 720,000 | 750,000 |
| Securities available for sale | 32,697,000 | 34,368,000 | 32,493,000 | 34,515,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,053,000 | 112,337,000 | 112,016,000 | 122,165,000 |
| Interest-bearing deposits | 100,956,000 | 100,713,000 | 99,586,000 | 108,122,000 |
| Noninterest-bearing deposits | 12,097,000 | 11,624,000 | 12,430,000 | 14,043,000 |
| Equity capital | 13,738,000 | 14,282,000 | 14,522,000 | 14,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,861,000 | 3,852,000 | 5,887,000 | 7,984,000 |
| Interest expense | 618,000 | 1,295,000 | 2,029,000 | 2,798,000 |
| Net interest income | 1,243,000 | 2,557,000 | 3,858,000 | 5,186,000 |
| Noninterest income | 235,000 | 492,000 | 756,000 | 1,003,000 |
| Noninterest expense | 1,009,000 | 2,053,000 | 3,086,000 | 4,122,000 |
| Provision for loan losses | 30,000 | 51,000 | 71,000 | 101,000 |
| Pretax income | 439,000 | 934,000 | 1,444,000 | 1,945,000 |
| Income tax | 110,000 | 234,000 | 369,000 | 535,000 |
| Net income | 329,000 | 700,000 | 1,075,000 | 1,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,934,000 | 14,305,000 | 14,680,000 | 14,325,000 |
| Total capital | 14,620,000 | 15,004,000 | 15,400,000 | 15,075,000 |
| Risk-weighted assets | 98,916,000 | 104,038,000 | 102,768,000 | 107,276,000 |