Call reports 2006
MARTINSBURG BANK AND TRUST — 2006
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 144,929,000 | 150,681,000 | 150,280,000 | 162,950,000 |
| Total loans | 97,552,000 | 98,074,000 | 99,925,000 | 102,254,000 |
| Allowance for loan losses | 748,000 | 783,000 | 781,000 | 837,000 |
| Securities available for sale | 33,024,000 | 33,355,000 | 35,949,000 | 41,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,151,000 | 117,808,000 | 119,521,000 | 130,348,000 |
| Interest-bearing deposits | 102,625,000 | 104,139,000 | 105,666,000 | 115,830,000 |
| Noninterest-bearing deposits | 12,526,000 | 13,669,000 | 13,855,000 | 14,518,000 |
| Equity capital | 14,335,000 | 14,565,000 | 15,251,000 | 15,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,189,000 | 4,454,000 | 6,770,000 | 9,224,000 |
| Interest expense | 883,000 | 1,825,000 | 2,814,000 | 3,883,000 |
| Net interest income | 1,306,000 | 2,629,000 | 3,956,000 | 5,341,000 |
| Noninterest income | 229,000 | 492,000 | 746,000 | 1,020,000 |
| Noninterest expense | 1,043,000 | 2,086,000 | 3,130,000 | 4,130,000 |
| Provision for loan losses | 69,000 | 96,000 | 116,000 | 166,000 |
| Pretax income | 422,000 | 938,000 | 1,455,000 | 2,092,000 |
| Income tax | 124,000 | 250,000 | 392,000 | 566,000 |
| Net income | 298,000 | 688,000 | 1,063,000 | 1,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,648,000 | 15,039,000 | 15,414,000 | 15,700,000 |
| Total capital | 15,396,000 | 15,822,000 | 16,195,000 | 16,537,000 |
| Risk-weighted assets | 104,290,000 | 106,947,000 | 108,365,000 | 111,959,000 |