Call reports 2001
CITIZENS BANK OF WEST VIRGINIA, INC. — 2001
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 155,625,000 | 156,144,000 | 163,042,000 | 166,808,000 |
| Total loans | 103,247,000 | 105,779,000 | 109,876,000 | 108,473,000 |
| Allowance for loan losses | 1,203,000 | 1,266,000 | 1,287,000 | 1,398,000 |
| Securities available for sale | 41,633,000 | 41,503,000 | 42,023,000 | 48,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,144,000 | 124,675,000 | 129,993,000 | 131,757,000 |
| Interest-bearing deposits | 108,129,000 | 108,288,000 | 113,579,000 | 114,544,000 |
| Noninterest-bearing deposits | 18,015,000 | 16,387,000 | 16,414,000 | 17,213,000 |
| Equity capital | 18,106,000 | 18,522,000 | 19,107,000 | 19,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,982,000 | 5,930,000 | 8,899,000 | 11,829,000 |
| Interest expense | 1,205,000 | 2,385,000 | 3,550,000 | 4,677,000 |
| Net interest income | 1,777,000 | 3,545,000 | 5,349,000 | 7,152,000 |
| Noninterest income | 285,000 | 558,000 | 783,000 | 1,129,000 |
| Noninterest expense | 1,282,000 | 2,555,000 | 3,852,000 | 5,028,000 |
| Provision for loan losses | 84,000 | 172,000 | 248,000 | 347,000 |
| Pretax income | 697,000 | 1,377,000 | 2,033,000 | 2,907,000 |
| Income tax | 265,000 | 467,000 | 702,000 | 997,000 |
| Net income | 432,000 | 910,000 | 1,331,000 | 1,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,471,000 | 17,786,000 | 18,011,000 | 18,220,000 |
| Total capital | 18,674,000 | 19,052,000 | 19,298,000 | 19,618,000 |
| Risk-weighted assets | 111,194,000 | 113,628,000 | 117,079,000 | 119,593,000 |