Call reports 2012
MARTINSBURG BANK AND TRUST — 2012
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 180,667,000 | 179,592,000 | 173,649,000 | 179,058,000 |
| Total loans | 120,513,000 | 127,258,000 | 129,121,000 | 127,909,000 |
| Allowance for loan losses | 1,762,000 | 1,857,000 | 1,904,000 | 1,928,000 |
| Securities available for sale | 28,941,000 | 29,246,000 | 27,842,000 | 25,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,581,000 | 133,922,000 | 127,392,000 | 129,755,000 |
| Interest-bearing deposits | 109,556,000 | 108,728,000 | 102,961,000 | 105,116,000 |
| Noninterest-bearing deposits | 24,025,000 | 25,194,000 | 24,431,000 | 24,639,000 |
| Equity capital | 20,853,000 | 21,191,000 | 21,850,000 | 21,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,910,000 | 3,818,000 | 5,761,000 | 7,638,000 |
| Interest expense | 317,000 | 616,000 | 886,000 | 1,147,000 |
| Net interest income | 1,593,000 | 3,202,000 | 4,875,000 | 6,491,000 |
| Noninterest income | 284,000 | 560,000 | 846,000 | 1,119,000 |
| Noninterest expense | 1,193,000 | 2,389,000 | 3,555,000 | 4,839,000 |
| Provision for loan losses | 97,000 | 175,000 | 238,000 | 270,000 |
| Pretax income | 617,000 | 1,225,000 | 1,969,000 | 2,635,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 615,000 | 1,221,000 | 1,963,000 | 2,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,406,000 | 20,736,000 | 21,190,000 | 21,485,000 |
| Total capital | 21,941,000 | 22,369,000 | 22,855,000 | 23,150,000 |
| Risk-weighted assets | 122,537,000 | 130,436,000 | 132,985,000 | 132,948,000 |