Call reports 2011
CITIZENS BANK OF WEST VIRGINIA, INC. — 2011
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 240,140,000 | 233,922,000 | 231,933,000 | 220,683,000 |
| Total loans | 161,479,000 | 161,106,000 | 148,477,000 | 144,633,000 |
| Allowance for loan losses | 3,625,000 | 6,768,000 | 3,703,000 | 5,273,000 |
| Securities available for sale | 42,897,000 | 40,878,000 | 41,558,000 | 40,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,483,000 | 175,138,000 | 181,457,000 | 167,538,000 |
| Interest-bearing deposits | 144,168,000 | 141,720,000 | 139,631,000 | 129,998,000 |
| Noninterest-bearing deposits | 36,315,000 | 33,418,000 | 41,826,000 | 37,540,000 |
| Equity capital | 21,859,000 | 20,053,000 | 19,683,000 | 18,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,610,000 | 5,131,000 | 7,851,000 | 10,332,000 |
| Interest expense | 743,000 | 1,467,000 | 2,118,000 | 2,641,000 |
| Net interest income | 1,867,000 | 3,664,000 | 5,733,000 | 7,691,000 |
| Noninterest income | 310,000 | 746,000 | 1,186,000 | 1,642,000 |
| Noninterest expense | 1,787,000 | 3,545,000 | 5,265,000 | 7,214,000 |
| Provision for loan losses | 1,067,000 | 4,957,000 | 6,724,000 | 8,680,000 |
| Pretax income | -677,000 | -4,092,000 | -5,070,000 | -6,561,000 |
| Income tax | -327,000 | -1,689,000 | -2,134,000 | -2,779,000 |
| Net income | -350,000 | -2,403,000 | -2,936,000 | -3,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,616,000 | 20,563,000 | 20,029,000 | 18,225,000 |
| Total capital | 24,647,000 | 22,589,000 | 21,890,000 | 20,074,000 |
| Risk-weighted assets | 160,877,000 | 157,615,000 | 147,473,000 | 144,463,000 |