Call reports 2015
CITIZENS BANK OF MORGANTOWN, INC. — 2015
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 35,090,000 | 34,741,000 | 36,658,000 | 35,896,000 |
| Total loans | 21,185,000 | 21,518,000 | 22,005,000 | 22,278,000 |
| Allowance for loan losses | 275,000 | 280,000 | 285,000 | 290,000 |
| Securities available for sale | 11,891,000 | 11,517,000 | 12,688,000 | 11,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,973,000 | 20,932,000 | 21,686,000 | 21,456,000 |
| Interest-bearing deposits | 18,220,000 | 17,436,000 | 17,699,000 | 17,783,000 |
| Noninterest-bearing deposits | 3,753,000 | 3,496,000 | 3,987,000 | 3,673,000 |
| Equity capital | 6,225,000 | 6,155,000 | 6,290,000 | 6,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 407,000 | 806,000 | 1,216,000 | 1,625,000 |
| Interest expense | 16,000 | 36,000 | 53,000 | 73,000 |
| Net interest income | 391,000 | 770,000 | 1,163,000 | 1,552,000 |
| Noninterest income | 18,000 | 53,000 | 85,000 | 115,000 |
| Noninterest expense | 353,000 | 699,000 | 993,000 | 1,300,000 |
| Provision for loan losses | -4,000 | 1,000 | 6,000 | 11,000 |
| Pretax income | 60,000 | 123,000 | 249,000 | 356,000 |
| Income tax | 5,000 | 8,000 | 25,000 | 41,000 |
| Net income | 55,000 | 115,000 | 224,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,192,000 | 6,227,000 | 6,336,000 | 6,402,000 |
| Total capital | 6,420,000 | 6,459,000 | 6,575,000 | 6,641,000 |
| Risk-weighted assets | 18,207,000 | 18,489,000 | 19,116,000 | 19,092,000 |