Call reports 2012
CITIZENS BANK OF MORGANTOWN, INC. — 2012
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 32,929,000 | 32,594,000 | 32,749,000 | 34,163,000 |
| Total loans | 17,423,000 | 17,279,000 | 18,548,000 | 19,227,000 |
| Allowance for loan losses | 230,000 | 212,000 | 216,000 | 221,000 |
| Securities available for sale | 13,580,000 | 13,355,000 | 12,632,000 | 13,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,308,000 | 21,716,000 | 21,942,000 | 21,256,000 |
| Interest-bearing deposits | 19,186,000 | 18,455,000 | 18,842,000 | 18,454,000 |
| Noninterest-bearing deposits | 3,122,000 | 3,261,000 | 3,100,000 | 2,802,000 |
| Equity capital | 6,249,000 | 6,391,000 | 6,429,000 | 5,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 348,000 | 726,000 | 1,089,000 | 1,448,000 |
| Interest expense | 35,000 | 70,000 | 97,000 | 120,000 |
| Net interest income | 313,000 | 656,000 | 992,000 | 1,328,000 |
| Noninterest income | 32,000 | 62,000 | 89,000 | 117,000 |
| Noninterest expense | 297,000 | 621,000 | 913,000 | 1,204,000 |
| Provision for loan losses | 3,000 | 11,000 | 14,000 | 18,000 |
| Pretax income | 45,000 | 86,000 | 156,000 | 225,000 |
| Income tax | 2,000 | 0 | 7,000 | 10,000 |
| Net income | 43,000 | 86,000 | 149,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,996,000 | 6,009,000 | 6,072,000 | 5,707,000 |
| Total capital | 6,173,000 | 6,189,000 | 6,260,000 | 5,903,000 |
| Risk-weighted assets | 14,145,000 | 14,714,000 | 15,002,000 | 15,703,000 |