Call reports 2008
MARTINSBURG BANK AND TRUST — 2008
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 173,891,000 | 163,813,000 | 174,091,000 | 189,102,000 |
| Total loans | 115,651,000 | 116,931,000 | 117,365,000 | 116,451,000 |
| Allowance for loan losses | 1,046,000 | 1,332,000 | 1,303,000 | 1,254,000 |
| Securities available for sale | 37,609,000 | 34,826,000 | 33,731,000 | 41,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,377,000 | 123,640,000 | 119,656,000 | 133,156,000 |
| Interest-bearing deposits | 116,573,000 | 108,240,000 | 104,300,000 | 117,598,000 |
| Noninterest-bearing deposits | 15,804,000 | 15,400,000 | 15,356,000 | 15,558,000 |
| Equity capital | 17,040,000 | 16,798,000 | 17,036,000 | 17,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,706,000 | 5,417,000 | 7,920,000 | 10,384,000 |
| Interest expense | 1,187,000 | 2,177,000 | 3,080,000 | 4,014,000 |
| Net interest income | 1,519,000 | 3,240,000 | 4,840,000 | 6,370,000 |
| Noninterest income | 301,000 | 605,000 | 905,000 | 1,184,000 |
| Noninterest expense | 1,150,000 | 2,311,000 | 3,472,000 | 4,754,000 |
| Provision for loan losses | 32,000 | 32,000 | 32,000 | 102,000 |
| Pretax income | 731,000 | 1,619,000 | 2,340,000 | 2,800,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 731,000 | 1,619,000 | 2,340,000 | 2,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,552,000 | 17,014,000 | 16,972,000 | 17,202,000 |
| Total capital | 17,598,000 | 18,346,000 | 18,275,000 | 18,456,000 |
| Risk-weighted assets | 124,992,000 | 124,147,000 | 126,820,000 | 127,675,000 |