Call reports 2006
CITIZENS BANK OF WEST VIRGINIA, INC. — 2006
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 237,259,000 | 238,747,000 | 240,715,000 | 242,980,000 |
| Total loans | 158,233,000 | 165,480,000 | 165,444,000 | 167,640,000 |
| Allowance for loan losses | 1,702,000 | 1,778,000 | 1,836,000 | 1,873,000 |
| Securities available for sale | 63,667,000 | 57,732,000 | 57,126,000 | 58,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,683,000 | 185,268,000 | 195,636,000 | 196,546,000 |
| Interest-bearing deposits | 159,504,000 | 160,116,000 | 170,719,000 | 169,440,000 |
| Noninterest-bearing deposits | 26,179,000 | 25,152,000 | 24,917,000 | 27,106,000 |
| Equity capital | 19,927,000 | 19,889,000 | 20,395,000 | 20,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,657,000 | 7,397,000 | 11,372,000 | 15,351,000 |
| Interest expense | 1,227,000 | 2,654,000 | 4,231,000 | 5,856,000 |
| Net interest income | 2,430,000 | 4,743,000 | 7,141,000 | 9,495,000 |
| Noninterest income | 394,000 | 778,000 | 1,130,000 | 1,568,000 |
| Noninterest expense | 1,873,000 | 3,680,000 | 5,541,000 | 7,572,000 |
| Provision for loan losses | 103,000 | 206,000 | 275,000 | 423,000 |
| Pretax income | 830,000 | 1,617,000 | 2,437,000 | 3,050,000 |
| Income tax | 259,000 | 509,000 | 777,000 | 956,000 |
| Net income | 571,000 | 1,108,000 | 1,660,000 | 2,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,434,000 | 20,587,000 | 20,752,000 | 20,540,000 |
| Total capital | 22,136,000 | 22,365,000 | 22,588,000 | 22,413,000 |
| Risk-weighted assets | 166,455,000 | 171,468,000 | 171,102,000 | 173,105,000 |