Call reports 2011
CITIZENS BANK OF MORGANTOWN, INC. — 2011
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 30,097,000 | 30,723,000 | 30,665,000 | 32,128,000 |
| Total loans | 16,771,000 | 17,332,000 | 17,816,000 | 17,543,000 |
| Allowance for loan losses | 237,000 | 241,000 | 245,000 | 227,000 |
| Securities available for sale | 11,289,000 | 11,764,000 | 11,260,000 | 12,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,793,000 | 21,376,000 | 21,163,000 | 20,440,000 |
| Interest-bearing deposits | 17,664,000 | 18,689,000 | 18,354,000 | 17,629,000 |
| Noninterest-bearing deposits | 3,129,000 | 2,687,000 | 2,809,000 | 2,811,000 |
| Equity capital | 5,900,000 | 6,096,000 | 6,312,000 | 6,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 358,000 | 732,000 | 1,093,000 | 1,466,000 |
| Interest expense | 44,000 | 87,000 | 128,000 | 165,000 |
| Net interest income | 314,000 | 645,000 | 965,000 | 1,301,000 |
| Noninterest income | 23,000 | 50,000 | 73,000 | 99,000 |
| Noninterest expense | 274,000 | 568,000 | 857,000 | 1,164,000 |
| Provision for loan losses | 7,000 | 10,000 | 13,000 | 26,000 |
| Pretax income | 56,000 | 117,000 | 168,000 | 210,000 |
| Income tax | 5,000 | 6,000 | 6,000 | 9,000 |
| Net income | 51,000 | 111,000 | 162,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,867,000 | 5,895,000 | 5,947,000 | 5,954,000 |
| Total capital | 6,047,000 | 6,071,000 | 6,121,000 | 6,129,000 |
| Risk-weighted assets | 14,333,000 | 14,006,000 | 13,872,000 | 13,940,000 |
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