Call reports 2013
CITIZENS BANK OF MORGANTOWN, INC. — 2013
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 34,045,000 | 34,315,000 | 35,033,000 | 36,009,000 |
| Total loans | 19,266,000 | 19,498,000 | 20,992,000 | 22,292,000 |
| Allowance for loan losses | 226,000 | 237,000 | 245,000 | 251,000 |
| Securities available for sale | 13,148,000 | 12,963,000 | 12,332,000 | 12,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,169,000 | 19,608,000 | 21,325,000 | 20,884,000 |
| Interest-bearing deposits | 19,152,000 | 16,667,000 | 17,686,000 | 16,940,000 |
| Noninterest-bearing deposits | 3,017,000 | 2,941,000 | 3,639,000 | 3,944,000 |
| Equity capital | 6,014,000 | 5,765,000 | 5,840,000 | 5,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 361,000 | 723,000 | 1,115,000 | 1,508,000 |
| Interest expense | 20,000 | 37,000 | 56,000 | 75,000 |
| Net interest income | 341,000 | 686,000 | 1,059,000 | 1,433,000 |
| Noninterest income | 25,000 | 69,000 | 97,000 | 122,000 |
| Noninterest expense | 303,000 | 623,000 | 956,000 | 1,272,000 |
| Provision for loan losses | 4,000 | 14,000 | 18,000 | 23,000 |
| Pretax income | 59,000 | 118,000 | 182,000 | 260,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 21,000 |
| Net income | 55,000 | 110,000 | 170,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,763,000 | 5,793,000 | 5,853,000 | 5,898,000 |
| Total capital | 5,960,000 | 5,997,000 | 6,068,000 | 6,122,000 |
| Risk-weighted assets | 15,735,000 | 16,272,000 | 17,173,000 | 17,878,000 |
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