Call reports 2008
CITIZENS BANK OF MORGANTOWN, INC. — 2008
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 32,147,000 | 31,380,000 | 33,298,000 | 32,455,000 |
| Total loans | 17,565,000 | 17,637,000 | 17,839,000 | 17,415,000 |
| Allowance for loan losses | 248,000 | 236,000 | 242,000 | 245,000 |
| Securities available for sale | 12,372,000 | 11,538,000 | 13,353,000 | 13,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,342,000 | 21,991,000 | 21,343,000 | 20,852,000 |
| Interest-bearing deposits | 18,655,000 | 19,379,000 | 19,073,000 | 18,492,000 |
| Noninterest-bearing deposits | 2,687,000 | 2,612,000 | 2,270,000 | 2,360,000 |
| Equity capital | 5,641,000 | 5,536,000 | 5,626,000 | 5,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 487,000 | 950,000 | 1,412,000 | 1,861,000 |
| Interest expense | 178,000 | 309,000 | 431,000 | 526,000 |
| Net interest income | 309,000 | 641,000 | 981,000 | 1,335,000 |
| Noninterest income | 22,000 | 48,000 | 70,000 | 90,000 |
| Noninterest expense | 287,000 | 578,000 | 854,000 | 1,156,000 |
| Provision for loan losses | 7,000 | 14,000 | 22,000 | 34,000 |
| Pretax income | 37,000 | 97,000 | 175,000 | 235,000 |
| Income tax | 8,000 | 18,000 | 31,000 | 42,000 |
| Net income | 29,000 | 79,000 | 145,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,419,000 | 5,442,000 | 5,508,000 | 5,525,000 |
| Total capital | 5,622,000 | 5,644,000 | 5,711,000 | 5,720,000 |
| Risk-weighted assets | 16,192,000 | 16,068,000 | 16,202,000 | 15,554,000 |
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