Call reports 2005
CITIZENS BANK OF MORGANTOWN, INC. — 2005
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 37,916,000 | 36,663,000 | 36,028,000 | 35,960,000 |
| Total loans | 13,350,000 | 13,964,000 | 14,233,000 | 15,041,000 |
| Allowance for loan losses | 226,000 | 237,000 | 250,000 | 173,000 |
| Securities available for sale | 21,798,000 | 20,765,000 | 19,615,000 | 18,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,778,000 | 22,853,000 | 21,250,000 | 21,610,000 |
| Interest-bearing deposits | 21,085,000 | 20,322,000 | 18,806,000 | 18,878,000 |
| Noninterest-bearing deposits | 2,693,000 | 2,531,000 | 2,444,000 | 2,732,000 |
| Equity capital | 5,275,000 | 5,426,000 | 5,361,000 | 5,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 426,000 | 846,000 | 1,285,000 | 1,705,000 |
| Interest expense | 148,000 | 306,000 | 479,000 | 663,000 |
| Net interest income | 278,000 | 540,000 | 806,000 | 1,042,000 |
| Noninterest income | 21,000 | 52,000 | 79,000 | 104,000 |
| Noninterest expense | 247,000 | 488,000 | 715,000 | 976,000 |
| Provision for loan losses | 16,000 | 27,000 | 40,000 | 56,000 |
| Pretax income | 59,000 | 100,000 | 153,000 | 137,000 |
| Income tax | 9,000 | 15,000 | 23,000 | -2,000 |
| Net income | 50,000 | 85,000 | 130,000 | 140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,301,000 | 5,332,000 | 5,377,000 | 5,384,000 |
| Total capital | 5,527,000 | 5,564,000 | 5,610,000 | 5,557,000 |
| Risk-weighted assets | 18,486,000 | 18,613,000 | 18,624,000 | 19,041,000 |
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