Call reports 2018
CITIZENS BANK OF MORGANTOWN, INC. — 2018
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 36,108,000 | 36,768,000 | 36,748,000 | 37,311,000 |
| Total loans | 22,630,000 | 22,356,000 | 22,081,000 | 22,772,000 |
| Allowance for loan losses | 394,000 | 394,000 | 393,000 | 400,000 |
| Securities available for sale | 11,230,000 | 11,643,000 | 11,668,000 | 11,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,997,000 | 23,376,000 | 24,120,000 | 23,699,000 |
| Interest-bearing deposits | 19,068,000 | 19,102,000 | 20,021,000 | 19,619,000 |
| Noninterest-bearing deposits | 3,929,000 | 4,274,000 | 4,099,000 | 4,080,000 |
| Equity capital | 6,351,000 | 6,353,000 | 6,330,000 | 6,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 440,000 | 851,000 | 1,263,000 | 1,718,000 |
| Interest expense | 39,000 | 87,000 | 143,000 | 206,000 |
| Net interest income | 401,000 | 764,000 | 1,120,000 | 1,512,000 |
| Noninterest income | 40,000 | 60,000 | 88,000 | 113,000 |
| Noninterest expense | 377,000 | 746,000 | 1,040,000 | 1,334,000 |
| Provision for loan losses | 5,000 | 4,000 | 9,000 | 14,000 |
| Pretax income | 59,000 | 74,000 | 159,000 | 277,000 |
| Income tax | 4,000 | -2,000 | 16,000 | 28,000 |
| Net income | 55,000 | 76,000 | 143,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,049,000 | 7,044,000 | 7,111,000 | 7,170,000 |
| Total capital | 7,295,000 | 7,294,000 | 7,361,000 | 7,429,000 |
| Risk-weighted assets | 19,522,000 | 19,834,000 | 19,902,000 | 20,565,000 |