Call reports 2006
CITIZENS BANK OF MORGANTOWN, INC. — 2006
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 34,729,000 | 33,929,000 | 33,355,000 | 31,465,000 |
| Total loans | 14,674,000 | 14,823,000 | 15,608,000 | 15,910,000 |
| Allowance for loan losses | 189,000 | 203,000 | 208,000 | 230,000 |
| Securities available for sale | 18,038,000 | 17,014,000 | 15,906,000 | 13,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,611,000 | 21,747,000 | 21,936,000 | 21,632,000 |
| Interest-bearing deposits | 18,909,000 | 19,187,000 | 19,282,000 | 18,891,000 |
| Noninterest-bearing deposits | 2,702,000 | 2,560,000 | 2,654,000 | 2,741,000 |
| Equity capital | 5,340,000 | 5,269,000 | 5,448,000 | 5,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 469,000 | 932,000 | 1,382,000 | 1,841,000 |
| Interest expense | 192,000 | 396,000 | 618,000 | 828,000 |
| Net interest income | 277,000 | 536,000 | 764,000 | 1,013,000 |
| Noninterest income | 23,000 | 46,000 | 67,000 | 92,000 |
| Noninterest expense | 242,000 | 496,000 | 735,000 | 994,000 |
| Provision for loan losses | 18,000 | 31,000 | 33,000 | 58,000 |
| Pretax income | 40,000 | 58,000 | 66,000 | 90,000 |
| Income tax | 7,000 | 9,000 | 11,000 | 15,000 |
| Net income | 33,000 | 49,000 | 55,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,417,000 | 5,429,000 | 5,435,000 | 5,450,000 |
| Total capital | 5,606,000 | 5,632,000 | 5,644,000 | 5,667,000 |
| Risk-weighted assets | 18,361,000 | 18,416,000 | 17,894,000 | 17,385,000 |
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