Call reports 2010
CITIZENS BANK OF MORGANTOWN, INC. — 2010
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 30,712,000 | 30,569,000 | 30,491,000 | 29,655,000 |
| Total loans | 14,955,000 | 15,634,000 | 15,657,000 | 16,106,000 |
| Allowance for loan losses | 211,000 | 217,000 | 230,000 | 231,000 |
| Securities available for sale | 13,138,000 | 13,358,000 | 13,089,000 | 11,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,042,000 | 20,326,000 | 20,476,000 | 19,883,000 |
| Interest-bearing deposits | 18,772,000 | 17,693,000 | 17,628,000 | 16,906,000 |
| Noninterest-bearing deposits | 3,270,000 | 2,633,000 | 2,848,000 | 2,977,000 |
| Equity capital | 5,751,000 | 5,944,000 | 6,100,000 | 5,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 378,000 | 754,000 | 1,138,000 | 1,505,000 |
| Interest expense | 62,000 | 117,000 | 169,000 | 220,000 |
| Net interest income | 316,000 | 637,000 | 969,000 | 1,285,000 |
| Noninterest income | 11,000 | 34,000 | 62,000 | 86,000 |
| Noninterest expense | 287,000 | 593,000 | 879,000 | 1,165,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 8,000 |
| Pretax income | 37,000 | 72,000 | 145,000 | 200,000 |
| Income tax | 9,000 | 18,000 | -1,000 | 11,000 |
| Net income | 28,000 | 54,000 | 146,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,715,000 | 5,711,000 | 5,802,000 | 5,815,000 |
| Total capital | 5,888,000 | 5,889,000 | 5,977,000 | 5,991,000 |
| Risk-weighted assets | 13,816,000 | 14,165,000 | 13,975,000 | 14,075,000 |
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