Call reports 2016
MARTINSBURG BANK AND TRUST — 2016
What MARTINSBURG BANK AND TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 194,415,000 | 196,048,000 | 193,040,000 | 189,893,000 |
| Total loans | 125,680,000 | 130,275,000 | 129,295,000 | 125,520,000 |
| Allowance for loan losses | 2,073,000 | 2,078,000 | 2,085,000 | 2,095,000 |
| Securities available for sale | 38,279,000 | 36,485,000 | 33,874,000 | 33,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,117,000 | 142,899,000 | 143,049,000 | 147,965,000 |
| Interest-bearing deposits | 115,749,000 | 113,024,000 | 112,212,000 | 116,278,000 |
| Noninterest-bearing deposits | 29,368,000 | 29,875,000 | 30,837,000 | 31,687,000 |
| Equity capital | 26,393,000 | 26,959,000 | 26,299,000 | 25,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,778,000 | 3,612,000 | 5,496,000 | 7,218,000 |
| Interest expense | 205,000 | 406,000 | 607,000 | 813,000 |
| Net interest income | 1,573,000 | 3,206,000 | 4,889,000 | 6,405,000 |
| Noninterest income | 515,000 | 778,000 | 1,060,000 | 1,322,000 |
| Noninterest expense | 1,154,000 | 2,332,000 | 3,508,000 | 4,712,000 |
| Provision for loan losses | 3,000 | 5,000 | 9,000 | 13,000 |
| Pretax income | 970,000 | 1,723,000 | 2,508,000 | 3,078,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 970,000 | 1,723,000 | 2,508,000 | 3,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,005,000 | 26,469,000 | 25,963,000 | 25,926,000 |
| Total capital | 27,713,000 | 28,239,000 | 27,707,000 | 27,623,000 |
| Risk-weighted assets | 136,262,000 | 141,294,000 | 139,222,000 | 135,383,000 |