Call reports 2007
CITIZENS BANK OF WEST VIRGINIA, INC. — 2007
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 242,959,000 | 242,404,000 | 246,407,000 | 246,595,000 |
| Total loans | 168,630,000 | 169,697,000 | 173,475,000 | 172,703,000 |
| Allowance for loan losses | 1,822,000 | 2,103,000 | 2,098,000 | 1,763,000 |
| Securities available for sale | 57,399,000 | 55,715,000 | 55,740,000 | 57,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,896,000 | 197,214,000 | 202,054,000 | 201,299,000 |
| Interest-bearing deposits | 171,236,000 | 182,322,000 | 175,726,000 | 173,376,000 |
| Noninterest-bearing deposits | 26,660,000 | 14,892,000 | 26,328,000 | 27,923,000 |
| Equity capital | 20,624,000 | 20,445,000 | 21,001,000 | 21,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,925,000 | 7,940,000 | 12,075,000 | 15,967,000 |
| Interest expense | 1,617,000 | 3,289,000 | 5,041,000 | 6,781,000 |
| Net interest income | 2,308,000 | 4,651,000 | 7,034,000 | 9,186,000 |
| Noninterest income | 441,000 | 782,000 | 968,000 | 1,449,000 |
| Noninterest expense | 1,893,000 | 3,772,000 | 5,599,000 | 7,580,000 |
| Provision for loan losses | 207,000 | 656,000 | 806,000 | 1,783,000 |
| Pretax income | 649,000 | 1,005,000 | 1,597,000 | 1,274,000 |
| Income tax | 194,000 | 279,000 | 439,000 | 235,000 |
| Net income | 455,000 | 726,000 | 1,158,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,779,000 | 20,969,000 | 21,184,000 | 21,565,000 |
| Total capital | 22,601,000 | 23,072,000 | 23,282,000 | 23,328,000 |
| Risk-weighted assets | 177,643,000 | 179,019,000 | 182,989,000 | 186,385,000 |