Call reports 2010
MARTINSBURG BANK AND TRUST — 2010
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 174,020,000 | 169,639,000 | 161,583,000 | 182,527,000 |
| Total loans | 116,250,000 | 115,844,000 | 119,816,000 | 117,973,000 |
| Allowance for loan losses | 1,264,000 | 1,261,000 | 1,376,000 | 1,345,000 |
| Securities available for sale | 27,448,000 | 29,494,000 | 23,792,000 | 39,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,354,000 | 120,912,000 | 120,193,000 | 142,652,000 |
| Interest-bearing deposits | 110,736,000 | 104,589,000 | 102,789,000 | 125,674,000 |
| Noninterest-bearing deposits | 15,617,000 | 16,323,000 | 17,403,000 | 16,979,000 |
| Equity capital | 18,725,000 | 19,330,000 | 19,427,000 | 18,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,173,000 | 4,327,000 | 6,459,000 | 8,540,000 |
| Interest expense | 612,000 | 1,235,000 | 1,817,000 | 2,304,000 |
| Net interest income | 1,561,000 | 3,092,000 | 4,642,000 | 6,236,000 |
| Noninterest income | 288,000 | 613,000 | 940,000 | 1,263,000 |
| Noninterest expense | 1,196,000 | 2,389,000 | 3,621,000 | 4,829,000 |
| Provision for loan losses | 30,000 | 61,000 | 211,000 | 371,000 |
| Pretax income | 623,000 | 1,255,000 | 1,952,000 | 2,649,000 |
| Income tax | 10,000 | 20,000 | 31,000 | 41,000 |
| Net income | 613,000 | 1,235,000 | 1,921,000 | 2,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,247,000 | 18,622,000 | 19,018,000 | 18,884,000 |
| Total capital | 19,511,000 | 19,883,000 | 20,394,000 | 20,229,000 |
| Risk-weighted assets | 124,886,000 | 123,498,000 | 124,214,000 | 128,523,000 |