Call reports 2015
MARTINSBURG BANK AND TRUST — 2015
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 199,254,000 | 197,625,000 | 198,010,000 | 192,165,000 |
| Total loans | 121,944,000 | 123,993,000 | 122,412,000 | 123,805,000 |
| Allowance for loan losses | 2,006,000 | 2,076,000 | 2,080,000 | 2,077,000 |
| Securities available for sale | 36,136,000 | 36,274,000 | 38,799,000 | 38,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,834,000 | 145,439,000 | 147,689,000 | 149,604,000 |
| Interest-bearing deposits | 119,716,000 | 116,906,000 | 113,630,000 | 114,857,000 |
| Noninterest-bearing deposits | 29,118,000 | 28,533,000 | 34,059,000 | 34,747,000 |
| Equity capital | 24,947,000 | 25,004,000 | 25,610,000 | 25,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,736,000 | 3,446,000 | 5,160,000 | 6,927,000 |
| Interest expense | 219,000 | 439,000 | 658,000 | 872,000 |
| Net interest income | 1,517,000 | 3,007,000 | 4,502,000 | 6,055,000 |
| Noninterest income | 305,000 | 575,000 | 842,000 | 1,114,000 |
| Noninterest expense | 1,184,000 | 2,391,000 | 3,581,000 | 4,680,000 |
| Provision for loan losses | 21,000 | 33,000 | 33,000 | 36,000 |
| Pretax income | 648,000 | 1,189,000 | 1,761,000 | 2,484,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 648,000 | 1,189,000 | 1,761,000 | 2,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,445,000 | 24,766,000 | 25,083,000 | 25,235,000 |
| Total capital | 26,138,000 | 26,488,000 | 26,751,000 | 26,940,000 |
| Risk-weighted assets | 135,440,000 | 137,396,000 | 133,176,000 | 136,051,000 |