Call reports 2005
CITIZENS BANK OF WEST VIRGINIA, INC. — 2005
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 215,686,000 | 224,753,000 | 235,830,000 | 238,190,000 |
| Total loans | 144,461,000 | 149,056,000 | 152,684,000 | 153,696,000 |
| Allowance for loan losses | 1,447,000 | 1,542,000 | 1,535,000 | 1,597,000 |
| Securities available for sale | 56,935,000 | 58,924,000 | 61,520,000 | 66,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,982,000 | 177,855,000 | 185,712,000 | 190,488,000 |
| Interest-bearing deposits | 147,089,000 | 155,212,000 | 160,823,000 | 161,838,000 |
| Noninterest-bearing deposits | 23,893,000 | 22,643,000 | 24,889,000 | 28,650,000 |
| Equity capital | 19,977,000 | 20,267,000 | 20,553,000 | 19,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,965,000 | 6,065,000 | 9,410,000 | 12,976,000 |
| Interest expense | 806,000 | 1,746,000 | 2,854,000 | 4,056,000 |
| Net interest income | 2,159,000 | 4,319,000 | 6,556,000 | 8,920,000 |
| Noninterest income | 323,000 | 679,000 | 1,047,000 | 1,460,000 |
| Noninterest expense | 1,829,000 | 3,614,000 | 5,316,000 | 7,125,000 |
| Provision for loan losses | 103,000 | 206,000 | 206,000 | 275,000 |
| Pretax income | 550,000 | 1,178,000 | 2,081,000 | 2,980,000 |
| Income tax | 173,000 | 360,000 | 651,000 | 927,000 |
| Net income | 377,000 | 818,000 | 1,430,000 | 2,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,214,000 | 20,323,000 | 20,750,000 | 20,084,000 |
| Total capital | 21,661,000 | 21,865,000 | 22,285,000 | 21,681,000 |
| Risk-weighted assets | 150,263,000 | 156,355,000 | 161,663,000 | 162,982,000 |