Call reports 2014
MARTINSBURG BANK AND TRUST — 2014
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 193,512,000 | 193,858,000 | 189,897,000 | 184,963,000 |
| Total loans | 127,939,000 | 129,690,000 | 132,917,000 | 133,695,000 |
| Allowance for loan losses | 1,971,000 | 1,974,000 | 1,982,000 | 2,023,000 |
| Securities available for sale | 32,496,000 | 33,965,000 | 36,531,000 | 35,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,304,000 | 144,637,000 | 141,404,000 | 142,638,000 |
| Interest-bearing deposits | 118,195,000 | 116,636,000 | 113,343,000 | 113,662,000 |
| Noninterest-bearing deposits | 29,109,000 | 28,001,000 | 28,061,000 | 28,976,000 |
| Equity capital | 22,682,000 | 23,317,000 | 23,658,000 | 24,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,747,000 | 3,541,000 | 5,360,000 | 7,178,000 |
| Interest expense | 233,000 | 465,000 | 690,000 | 912,000 |
| Net interest income | 1,514,000 | 3,076,000 | 4,670,000 | 6,266,000 |
| Noninterest income | 261,000 | 525,000 | 807,000 | 1,104,000 |
| Noninterest expense | 1,276,000 | 2,529,000 | 3,788,000 | 4,961,000 |
| Provision for loan losses | 11,000 | 11,000 | 16,000 | 54,000 |
| Pretax income | 488,000 | 1,061,000 | 1,673,000 | 2,379,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 486,000 | 1,059,000 | 1,671,000 | 2,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,823,000 | 23,167,000 | 23,584,000 | 23,950,000 |
| Total capital | 24,505,000 | 24,867,000 | 25,293,000 | 25,714,000 |
| Risk-weighted assets | 134,238,000 | 135,691,000 | 140,064,000 | 140,827,000 |