Call reports 2004
CITIZENS BANK OF WEST VIRGINIA, INC. — 2004
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 206,078,000 | 210,854,000 | 212,978,000 | 213,790,000 |
| Total loans | 136,642,000 | 142,285,000 | 146,094,000 | 146,801,000 |
| Allowance for loan losses | 1,474,000 | 1,170,000 | 1,306,000 | 1,378,000 |
| Securities available for sale | 54,368,000 | 53,681,000 | 51,191,000 | 52,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,336,000 | 166,288,000 | 168,135,000 | 165,310,000 |
| Interest-bearing deposits | 142,339,000 | 143,964,000 | 144,463,000 | 141,882,000 |
| Noninterest-bearing deposits | 22,997,000 | 22,324,000 | 23,672,000 | 23,428,000 |
| Equity capital | 20,948,000 | 20,095,000 | 20,341,000 | 20,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,841,000 | 5,651,000 | 8,502,000 | 11,443,000 |
| Interest expense | 731,000 | 1,484,000 | 2,274,000 | 3,073,000 |
| Net interest income | 2,110,000 | 4,167,000 | 6,228,000 | 8,370,000 |
| Noninterest income | 282,000 | 630,000 | 995,000 | 1,352,000 |
| Noninterest expense | 1,617,000 | 3,251,000 | 4,955,000 | 6,723,000 |
| Provision for loan losses | 90,000 | 685,000 | 835,000 | 935,000 |
| Pretax income | 704,000 | 880,000 | 1,456,000 | 2,087,000 |
| Income tax | 170,000 | 191,000 | 327,000 | 427,000 |
| Net income | 534,000 | 689,000 | 1,129,000 | 1,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,995,000 | 19,962,000 | 19,894,000 | 20,022,000 |
| Total capital | 21,469,000 | 21,132,000 | 21,200,000 | 21,400,000 |
| Risk-weighted assets | 143,311,000 | 147,689,000 | 150,007,000 | 150,929,000 |