Call reports 2009
CITIZENS BANK OF MORGANTOWN, INC. — 2009
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 31,850,000 | 30,287,000 | 29,570,000 | 29,523,000 |
| Total loans | 17,068,000 | 16,515,000 | 15,680,000 | 15,544,000 |
| Allowance for loan losses | 245,000 | 241,000 | 223,000 | 217,000 |
| Securities available for sale | 12,472,000 | 11,833,000 | 11,936,000 | 12,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,989,000 | 20,484,000 | 20,501,000 | 20,766,000 |
| Interest-bearing deposits | 18,478,000 | 17,685,000 | 18,272,000 | 18,153,000 |
| Noninterest-bearing deposits | 2,511,000 | 2,799,000 | 2,229,000 | 2,613,000 |
| Equity capital | 5,786,000 | 5,665,000 | 5,789,000 | 5,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 430,000 | 839,000 | 1,226,000 | 1,610,000 |
| Interest expense | 80,000 | 155,000 | 227,000 | 297,000 |
| Net interest income | 350,000 | 684,000 | 999,000 | 1,313,000 |
| Noninterest income | 17,000 | 35,000 | 72,000 | 84,000 |
| Noninterest expense | 292,000 | 578,000 | 867,000 | 1,165,000 |
| Provision for loan losses | 8,000 | 5,000 | -5,000 | -2,000 |
| Pretax income | 67,000 | 51,000 | 124,000 | 149,000 |
| Income tax | 16,000 | 49,000 | 65,000 | 61,000 |
| Net income | 51,000 | 2,000 | 59,000 | 88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,576,000 | 5,616,000 | 5,674,000 | 5,670,000 |
| Total capital | 5,767,000 | 5,800,000 | 5,850,000 | 5,844,000 |
| Risk-weighted assets | 15,231,000 | 14,728,000 | 14,016,000 | 13,884,000 |
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