Call reports 2012
CITIZENS BANK OF WEST VIRGINIA, INC. — 2012
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 208,072,000 | 203,713,000 | 207,635,000 | 206,739,000 |
| Total loans | 138,953,000 | 137,740,000 | 134,275,000 | 135,218,000 |
| Allowance for loan losses | 4,140,000 | 5,260,000 | 3,376,000 | 3,328,000 |
| Securities available for sale | 34,961,000 | 30,505,000 | 29,369,000 | 29,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,328,000 | 159,645,000 | 163,235,000 | 165,185,000 |
| Interest-bearing deposits | 124,947,000 | 122,908,000 | 126,307,000 | 124,198,000 |
| Noninterest-bearing deposits | 38,381,000 | 36,737,000 | 36,928,000 | 40,987,000 |
| Equity capital | 18,415,000 | 18,664,000 | 19,089,000 | 19,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,330,000 | 4,624,000 | 6,862,000 | 9,038,000 |
| Interest expense | 388,000 | 712,000 | 1,017,000 | 1,302,000 |
| Net interest income | 1,942,000 | 3,912,000 | 5,845,000 | 7,736,000 |
| Noninterest income | 545,000 | 957,000 | 1,353,000 | 1,722,000 |
| Noninterest expense | 1,680,000 | 3,317,000 | 5,045,000 | 6,682,000 |
| Provision for loan losses | 507,000 | 952,000 | 952,000 | 952,000 |
| Pretax income | 615,000 | 921,000 | 1,522,000 | 2,416,000 |
| Income tax | 154,000 | 221,000 | 410,000 | 514,000 |
| Net income | 461,000 | 700,000 | 1,112,000 | 1,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,911,000 | 18,819,000 | 19,189,000 | 19,446,000 |
| Total capital | 20,675,000 | 20,557,000 | 20,860,000 | 21,119,000 |
| Risk-weighted assets | 138,728,000 | 135,516,000 | 132,374,000 | 131,933,000 |