Call reports 2007
CITIZENS BANK OF MORGANTOWN, INC. — 2007
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,720,000 | 31,306,000 | 32,936,000 | 33,550,000 |
| Total loans | 15,980,000 | 15,692,000 | 17,606,000 | 18,780,000 |
| Allowance for loan losses | 234,000 | 234,000 | 232,000 | 241,000 |
| Securities available for sale | 12,465,000 | 13,806,000 | 13,205,000 | 12,811,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,808,000 | 21,487,000 | 20,991,000 | 21,299,000 |
| Interest-bearing deposits | 19,199,000 | 18,928,000 | 18,483,000 | 18,689,000 |
| Noninterest-bearing deposits | 2,609,000 | 2,559,000 | 2,508,000 | 2,610,000 |
| Equity capital | 5,517,000 | 5,434,000 | 5,551,000 | 5,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 459,000 | 919,000 | 1,426,000 | 1,935,000 |
| Interest expense | 189,000 | 376,000 | 586,000 | 802,000 |
| Net interest income | 270,000 | 543,000 | 840,000 | 1,133,000 |
| Noninterest income | 21,000 | 44,000 | 69,000 | 92,000 |
| Noninterest expense | 237,000 | 504,000 | 786,000 | 1,082,000 |
| Provision for loan losses | 8,000 | 8,000 | 16,000 | 23,000 |
| Pretax income | 46,000 | 75,000 | 107,000 | 120,000 |
| Income tax | 9,000 | 13,000 | 26,000 | 26,000 |
| Net income | 37,000 | 62,000 | 81,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,486,000 | 5,491,000 | 5,510,000 | 5,503,000 |
| Total capital | 5,692,000 | 5,697,000 | 5,726,000 | 5,722,000 |
| Risk-weighted assets | 16,477,000 | 16,429,000 | 17,230,000 | 17,501,000 |
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