Call reports 2008
CITIZENS BANK OF WEST VIRGINIA, INC. — 2008
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 252,939,000 | 269,652,000 | 277,727,000 | 282,534,000 |
| Total loans | 174,267,000 | 176,641,000 | 175,238,000 | 177,953,000 |
| Allowance for loan losses | 1,921,000 | 1,844,000 | 2,064,000 | 2,232,000 |
| Securities available for sale | 63,767,000 | 74,373,000 | 79,968,000 | 80,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,675,000 | 222,985,000 | 228,405,000 | 217,431,000 |
| Interest-bearing deposits | 180,746,000 | 194,006,000 | 200,290,000 | 187,876,000 |
| Noninterest-bearing deposits | 26,929,000 | 28,979,000 | 28,115,000 | 29,555,000 |
| Equity capital | 21,641,000 | 20,936,000 | 21,485,000 | 20,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,753,000 | 7,482,000 | 11,366,000 | 15,177,000 |
| Interest expense | 1,671,000 | 3,316,000 | 4,918,000 | 6,389,000 |
| Net interest income | 2,082,000 | 4,166,000 | 6,448,000 | 8,788,000 |
| Noninterest income | 454,000 | 899,000 | 1,403,000 | 1,963,000 |
| Noninterest expense | 1,798,000 | 3,673,000 | 5,603,000 | 7,734,000 |
| Provision for loan losses | 126,000 | 348,000 | 465,000 | 1,959,000 |
| Pretax income | 612,000 | 1,048,000 | 1,730,000 | 1,009,000 |
| Income tax | 148,000 | 229,000 | 398,000 | 87,000 |
| Net income | 464,000 | 819,000 | 1,332,000 | 922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,726,000 | 21,875,000 | 22,170,000 | 21,690,000 |
| Total capital | 23,647,000 | 23,719,000 | 24,234,000 | 23,922,000 |
| Risk-weighted assets | 189,481,000 | 185,066,000 | 184,544,000 | 184,211,000 |