Call reports 2010
CITIZENS BANK OF WEST VIRGINIA, INC. — 2010
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 239,301,000 | 237,135,000 | 241,094,000 | 236,844,000 |
| Total loans | 164,350,000 | 164,689,000 | 161,566,000 | 159,211,000 |
| Allowance for loan losses | 2,442,000 | 2,587,000 | 2,559,000 | 2,557,000 |
| Securities available for sale | 62,716,000 | 55,136,000 | 45,792,000 | 44,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,473,000 | 182,834,000 | 185,471,000 | 179,704,000 |
| Interest-bearing deposits | 152,761,000 | 151,281,000 | 151,290,000 | 143,294,000 |
| Noninterest-bearing deposits | 31,712,000 | 31,553,000 | 34,181,000 | 36,410,000 |
| Equity capital | 22,838,000 | 23,185,000 | 23,498,000 | 22,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,963,000 | 5,945,000 | 8,837,000 | 11,622,000 |
| Interest expense | 919,000 | 1,835,000 | 2,723,000 | 3,513,000 |
| Net interest income | 2,044,000 | 4,110,000 | 6,114,000 | 8,109,000 |
| Noninterest income | 426,000 | 868,000 | 1,258,000 | 1,511,000 |
| Noninterest expense | 1,884,000 | 3,741,000 | 5,580,000 | 7,459,000 |
| Provision for loan losses | 20,000 | 188,000 | 347,000 | 1,375,000 |
| Pretax income | 577,000 | 1,061,000 | 1,464,000 | 883,000 |
| Income tax | 130,000 | 236,000 | 322,000 | 32,000 |
| Net income | 447,000 | 825,000 | 1,142,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,193,000 | 23,325,000 | 23,473,000 | 22,966,000 |
| Total capital | 25,254,000 | 25,385,000 | 25,515,000 | 24,960,000 |
| Risk-weighted assets | 164,503,000 | 163,846,000 | 162,454,000 | 158,984,000 |