Call reports 2002
CITIZENS BANK OF WEST VIRGINIA, INC. — 2002
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 167,085,000 | 186,898,000 | 186,253,000 | 182,390,000 |
| Total loans | 111,872,000 | 112,158,000 | 115,589,000 | 116,573,000 |
| Allowance for loan losses | 1,413,000 | 1,306,000 | 1,336,000 | 1,386,000 |
| Securities available for sale | 45,589,000 | 49,598,000 | 54,862,000 | 53,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,015,000 | 154,605,000 | 150,284,000 | 147,744,000 |
| Interest-bearing deposits | 120,730,000 | 135,384,000 | 127,915,000 | 127,698,000 |
| Noninterest-bearing deposits | 16,285,000 | 19,221,000 | 22,369,000 | 20,046,000 |
| Equity capital | 19,047,000 | 19,674,000 | 20,375,000 | 20,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,818,000 | 5,676,000 | 8,588,000 | 11,519,000 |
| Interest expense | 1,020,000 | 2,032,000 | 3,052,000 | 3,972,000 |
| Net interest income | 1,798,000 | 3,644,000 | 5,536,000 | 7,547,000 |
| Noninterest income | 269,000 | 592,000 | 945,000 | 1,313,000 |
| Noninterest expense | 1,378,000 | 2,797,000 | 4,247,000 | 5,649,000 |
| Provision for loan losses | 63,000 | 126,000 | 198,000 | 288,000 |
| Pretax income | 626,000 | 1,313,000 | 2,036,000 | 2,923,000 |
| Income tax | 208,000 | 459,000 | 700,000 | 992,000 |
| Net income | 418,000 | 854,000 | 1,336,000 | 1,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,477,000 | 18,721,000 | 19,003,000 | 19,181,000 |
| Total capital | 19,890,000 | 20,027,000 | 20,339,000 | 20,567,000 |
| Risk-weighted assets | 121,172,000 | 123,100,000 | 126,817,000 | 151,154,000 |