Call reports 2003
CITIZENS BANK OF WEST VIRGINIA, INC. — 2003
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 187,743,000 | 196,386,000 | 203,193,000 | 209,129,000 |
| Total loans | 120,447,000 | 123,906,000 | 126,928,000 | 135,707,000 |
| Allowance for loan losses | 1,449,000 | 1,444,000 | 1,377,000 | 1,396,000 |
| Securities available for sale | 53,413,000 | 56,526,000 | 63,603,000 | 59,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,035,000 | 158,382,000 | 163,160,000 | 161,551,000 |
| Interest-bearing deposits | 131,565,000 | 138,982,000 | 142,113,000 | 138,037,000 |
| Noninterest-bearing deposits | 19,470,000 | 19,400,000 | 21,047,000 | 23,514,000 |
| Equity capital | 20,762,000 | 21,223,000 | 20,804,000 | 20,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,812,000 | 5,680,000 | 8,538,000 | 11,415,000 |
| Interest expense | 805,000 | 1,617,000 | 2,414,000 | 3,193,000 |
| Net interest income | 2,007,000 | 4,063,000 | 6,124,000 | 8,222,000 |
| Noninterest income | 329,000 | 628,000 | 965,000 | 1,291,000 |
| Noninterest expense | 1,483,000 | 3,016,000 | 4,553,000 | 6,180,000 |
| Provision for loan losses | 81,000 | 162,000 | 243,000 | 324,000 |
| Pretax income | 772,000 | 1,513,000 | 2,293,000 | 3,009,000 |
| Income tax | 261,000 | 499,000 | 738,000 | 984,000 |
| Net income | 511,000 | 1,014,000 | 1,555,000 | 2,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,501,000 | 19,777,000 | 19,864,000 | 19,648,000 |
| Total capital | 20,950,000 | 21,221,000 | 21,241,000 | 21,044,000 |
| Risk-weighted assets | 128,594,000 | 133,759,000 | 138,858,000 | 144,866,000 |