Call reports 2025
CITIZENS BANK OF MORGANTOWN, INC. — 2025
What CITIZENS BANK OF MORGANTOWN, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 51,267,000 | 51,176,000 | 52,152,000 | 51,557,000 |
| Total loans | 37,275,000 | 37,039,000 | 37,301,000 | 38,421,000 |
| Allowance for loan losses | 756,000 | 761,000 | 766,000 | 771,000 |
| Securities available for sale | 10,498,000 | 10,511,000 | 10,565,000 | 10,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,567,000 | 42,295,000 | 43,165,000 | 41,786,000 |
| Interest-bearing deposits | 35,224,000 | 34,740,000 | 35,483,000 | 33,438,000 |
| Noninterest-bearing deposits | 7,343,000 | 7,555,000 | 7,682,000 | 8,348,000 |
| Equity capital | 8,205,000 | 8,348,000 | 8,560,000 | 9,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 688,000 | 1,391,000 | 2,127,000 | 2,867,000 |
| Interest expense | 162,000 | 312,000 | 466,000 | 604,000 |
| Net interest income | 526,000 | 1,079,000 | 1,661,000 | 2,263,000 |
| Noninterest income | 102,000 | 121,000 | 146,000 | 172,000 |
| Noninterest expense | 452,000 | 889,000 | 1,340,000 | 1,722,000 |
| Provision for loan losses | 5,000 | 10,000 | 15,000 | 20,000 |
| Pretax income | 171,000 | 301,000 | 452,000 | 693,000 |
| Income tax | 39,000 | 66,000 | 98,000 | 152,000 |
| Net income | 132,000 | 235,000 | 354,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,116,000 | 9,192,000 | 9,311,000 | 9,470,000 |