Call reports 2009
CITIZENS BANK OF WEST VIRGINIA, INC. — 2009
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 261,813,000 | 236,383,000 | 239,678,000 | 237,866,000 |
| Total loans | 176,196,000 | 161,237,000 | 163,985,000 | 162,764,000 |
| Allowance for loan losses | 2,225,000 | 2,324,000 | 2,353,000 | 2,520,000 |
| Securities available for sale | 70,342,000 | 63,524,000 | 62,741,000 | 59,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,015,000 | 176,339,000 | 180,035,000 | 183,766,000 |
| Interest-bearing deposits | 174,091,000 | 150,718,000 | 153,469,000 | 148,641,000 |
| Noninterest-bearing deposits | 28,924,000 | 25,621,000 | 26,566,000 | 35,125,000 |
| Equity capital | 21,520,000 | 21,541,000 | 22,408,000 | 22,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,506,000 | 6,680,000 | 9,757,000 | 12,841,000 |
| Interest expense | 1,231,000 | 2,324,000 | 3,374,000 | 4,366,000 |
| Net interest income | 2,275,000 | 4,356,000 | 6,383,000 | 8,475,000 |
| Noninterest income | 454,000 | 1,445,000 | 1,834,000 | 2,264,000 |
| Noninterest expense | 1,967,000 | 4,001,000 | 5,656,000 | 7,463,000 |
| Provision for loan losses | 109,000 | 294,000 | 471,000 | 719,000 |
| Pretax income | 653,000 | 1,429,000 | 2,044,000 | 2,753,000 |
| Income tax | 135,000 | 371,000 | 498,000 | 713,000 |
| Net income | 518,000 | 1,058,000 | 1,546,000 | 2,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,211,000 | 22,611,000 | 22,878,000 | 23,045,000 |
| Total capital | 24,419,000 | 24,650,000 | 24,936,000 | 25,076,000 |
| Risk-weighted assets | 176,648,000 | 162,819,000 | 164,383,000 | 162,425,000 |