Call reports 2011
MARTINSBURG BANK AND TRUST — 2011
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 173,534,000 | 175,494,000 | 169,627,000 | 169,217,000 |
| Total loans | 113,286,000 | 118,525,000 | 119,560,000 | 123,327,000 |
| Allowance for loan losses | 1,370,000 | 1,451,000 | 1,540,000 | 1,662,000 |
| Securities available for sale | 33,137,000 | 33,603,000 | 31,236,000 | 29,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,673,000 | 133,992,000 | 127,656,000 | 129,748,000 |
| Interest-bearing deposits | 112,378,000 | 112,969,000 | 106,095,000 | 109,944,000 |
| Noninterest-bearing deposits | 21,295,000 | 21,023,000 | 21,561,000 | 19,804,000 |
| Equity capital | 19,236,000 | 20,103,000 | 20,677,000 | 20,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,010,000 | 4,041,000 | 6,111,000 | 8,076,000 |
| Interest expense | 449,000 | 855,000 | 1,226,000 | 1,557,000 |
| Net interest income | 1,561,000 | 3,186,000 | 4,885,000 | 6,519,000 |
| Noninterest income | 329,000 | 649,000 | 981,000 | 1,259,000 |
| Noninterest expense | 1,223,000 | 2,456,000 | 3,687,000 | 4,892,000 |
| Provision for loan losses | 91,000 | 185,000 | 294,000 | 387,000 |
| Pretax income | 578,000 | 1,256,000 | 1,945,000 | 2,647,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 5,000 |
| Net income | 577,000 | 1,254,000 | 1,942,000 | 2,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,321,000 | 19,738,000 | 20,140,000 | 20,206,000 |
| Total capital | 20,691,000 | 21,189,000 | 21,674,000 | 21,770,000 |
| Risk-weighted assets | 122,850,000 | 133,382,000 | 122,026,000 | 129,196,000 |