Call reports 2014
CITIZENS BANK OF MORGANTOWN, INC. — 2014
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 35,465,000 | 35,541,000 | 35,317,000 | 35,191,000 |
| Total loans | 21,774,000 | 21,678,000 | 21,430,000 | 21,461,000 |
| Allowance for loan losses | 263,000 | 271,000 | 276,000 | 280,000 |
| Securities available for sale | 12,014,000 | 12,030,000 | 12,162,000 | 11,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,529,000 | 21,146,000 | 20,869,000 | 21,272,000 |
| Interest-bearing deposits | 17,397,000 | 17,313,000 | 17,303,000 | 17,592,000 |
| Noninterest-bearing deposits | 4,132,000 | 3,833,000 | 3,566,000 | 3,680,000 |
| Equity capital | 6,098,000 | 6,230,000 | 6,304,000 | 6,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 387,000 | 795,000 | 1,194,000 | 1,596,000 |
| Interest expense | 18,000 | 36,000 | 54,000 | 72,000 |
| Net interest income | 369,000 | 759,000 | 1,140,000 | 1,524,000 |
| Noninterest income | 23,000 | 45,000 | 69,000 | 91,000 |
| Noninterest expense | 321,000 | 632,000 | 963,000 | 1,248,000 |
| Provision for loan losses | 5,000 | 12,000 | 17,000 | 22,000 |
| Pretax income | 66,000 | 160,000 | 229,000 | 345,000 |
| Income tax | 5,000 | 20,000 | 22,000 | 57,000 |
| Net income | 61,000 | 140,000 | 207,000 | 288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,959,000 | 6,014,000 | 6,081,000 | 6,136,000 |
| Total capital | 6,181,000 | 6,238,000 | 6,304,000 | 6,358,000 |
| Risk-weighted assets | 17,757,000 | 17,900,000 | 17,758,000 | 17,732,000 |
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