Call reports 2009
MARTINSBURG BANK AND TRUST — 2009
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 177,994,000 | 172,359,000 | 162,876,000 | 180,577,000 |
| Total loans | 115,654,000 | 113,887,000 | 118,604,000 | 117,120,000 |
| Allowance for loan losses | 1,277,000 | 1,284,000 | 1,205,000 | 1,240,000 |
| Securities available for sale | 35,361,000 | 37,374,000 | 32,427,000 | 29,949,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,423,000 | 118,074,000 | 115,509,000 | 132,865,000 |
| Interest-bearing deposits | 106,989,000 | 103,335,000 | 99,022,000 | 116,206,000 |
| Noninterest-bearing deposits | 16,435,000 | 14,739,000 | 16,487,000 | 16,659,000 |
| Equity capital | 18,351,000 | 18,446,000 | 19,229,000 | 18,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,352,000 | 4,617,000 | 6,890,000 | 9,156,000 |
| Interest expense | 858,000 | 1,642,000 | 2,368,000 | 2,996,000 |
| Net interest income | 1,494,000 | 2,975,000 | 4,522,000 | 6,160,000 |
| Noninterest income | 247,000 | 499,000 | 790,000 | 1,080,000 |
| Noninterest expense | 1,182,000 | 2,422,000 | 3,580,000 | 4,803,000 |
| Provision for loan losses | 21,000 | 51,000 | 161,000 | 261,000 |
| Pretax income | 770,000 | 1,341,000 | 1,911,000 | 2,612,000 |
| Income tax | 16,000 | 27,000 | 38,000 | 49,000 |
| Net income | 754,000 | 1,314,000 | 1,873,000 | 2,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,772,000 | 18,052,000 | 18,468,000 | 17,786,000 |
| Total capital | 19,049,000 | 19,336,000 | 19,673,000 | 19,026,000 |
| Risk-weighted assets | 126,507,000 | 124,591,000 | 125,279,000 | 127,715,000 |