Call reports 2021
CITIZENS BANK OF MORGANTOWN, INC. — 2021
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 46,684,000 | 46,255,000 | 48,272,000 | 49,102,000 |
| Total loans | 36,592,000 | 34,954,000 | 35,159,000 | 34,220,000 |
| Allowance for loan losses | 691,000 | 723,000 | 710,000 | 715,000 |
| Securities available for sale | 7,763,000 | 8,293,000 | 9,108,000 | 10,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,842,000 | 37,143,000 | 39,199,000 | 40,087,000 |
| Interest-bearing deposits | 28,876,000 | 28,760,000 | 31,286,000 | 31,245,000 |
| Noninterest-bearing deposits | 7,966,000 | 8,383,000 | 7,913,000 | 8,842,000 |
| Equity capital | 7,340,000 | 7,586,000 | 7,606,000 | 7,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 741,000 | 1,396,000 | 1,900,000 | 2,364,000 |
| Interest expense | 18,000 | 35,000 | 49,000 | 62,000 |
| Net interest income | 723,000 | 1,361,000 | 1,851,000 | 2,302,000 |
| Noninterest income | 48,000 | 147,000 | 197,000 | 262,000 |
| Noninterest expense | 435,000 | 843,000 | 1,316,000 | 1,728,000 |
| Provision for loan losses | 40,000 | 90,000 | 60,000 | 65,000 |
| Pretax income | 296,000 | 575,000 | 672,000 | 771,000 |
| Income tax | 72,000 | 140,000 | 160,000 | 178,000 |
| Net income | 224,000 | 435,000 | 512,000 | 593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,913,000 | 8,098,000 | 8,176,000 | 8,230,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK OF MORGANTOWN, INC. — 2021 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.