Call reports 2007
MARTINSBURG BANK AND TRUST — 2007
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 154,494,000 | 160,201,000 | 161,802,000 | 173,506,000 |
| Total loans | 104,117,000 | 110,368,000 | 112,057,000 | 114,735,000 |
| Allowance for loan losses | 880,000 | 915,000 | 934,000 | 1,015,000 |
| Securities available for sale | 39,316,000 | 38,245,000 | 36,862,000 | 44,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,493,000 | 119,288,000 | 126,237,000 | 137,118,000 |
| Interest-bearing deposits | 110,367,000 | 105,736,000 | 111,743,000 | 122,717,000 |
| Noninterest-bearing deposits | 13,126,000 | 13,552,000 | 14,494,000 | 14,401,000 |
| Equity capital | 15,507,000 | 15,562,000 | 16,296,000 | 16,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,516,000 | 5,104,000 | 7,810,000 | 10,518,000 |
| Interest expense | 1,157,000 | 2,349,000 | 3,620,000 | 4,840,000 |
| Net interest income | 1,359,000 | 2,755,000 | 4,190,000 | 5,678,000 |
| Noninterest income | 290,000 | 582,000 | 898,000 | 1,218,000 |
| Noninterest expense | 1,054,000 | 2,110,000 | 3,174,000 | 4,301,000 |
| Provision for loan losses | 30,000 | 60,000 | 261,000 | 341,000 |
| Pretax income | 565,000 | 1,167,000 | 1,653,000 | 2,261,000 |
| Income tax | 8,000 | 12,000 | 39,000 | 29,000 |
| Net income | 557,000 | 1,155,000 | 1,614,000 | 2,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,757,000 | 16,057,000 | 16,395,000 | 16,563,000 |
| Total capital | 16,637,000 | 16,972,000 | 17,329,000 | 17,578,000 |
| Risk-weighted assets | 111,435,000 | 117,145,000 | 118,776,000 | 123,397,000 |