Call reports 2013
CITIZENS BANK OF WEST VIRGINIA, INC. — 2013
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 208,565,000 | 204,123,000 | 206,733,000 | 208,668,000 |
| Total loans | 134,915,000 | 136,628,000 | 141,213,000 | 141,322,000 |
| Allowance for loan losses | 3,305,000 | 3,061,000 | 2,943,000 | 2,728,000 |
| Securities available for sale | 33,086,000 | 32,331,000 | 35,387,000 | 33,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,957,000 | 165,113,000 | 166,579,000 | 169,472,000 |
| Interest-bearing deposits | 127,917,000 | 125,590,000 | 126,713,000 | 125,083,000 |
| Noninterest-bearing deposits | 41,040,000 | 39,523,000 | 39,866,000 | 44,389,000 |
| Equity capital | 19,449,000 | 19,201,000 | 19,548,000 | 20,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,102,000 | 4,301,000 | 6,488,000 | 8,667,000 |
| Interest expense | 276,000 | 513,000 | 747,000 | 957,000 |
| Net interest income | 1,826,000 | 3,788,000 | 5,741,000 | 7,710,000 |
| Noninterest income | 321,000 | 746,000 | 1,176,000 | 1,216,000 |
| Noninterest expense | 1,794,000 | 3,724,000 | 5,484,000 | 7,586,000 |
| Provision for loan losses | 0 | 0 | 0 | -903,000 |
| Pretax income | 353,000 | 810,000 | 1,433,000 | 2,244,000 |
| Income tax | 100,000 | 237,000 | 439,000 | 639,000 |
| Net income | 253,000 | 573,000 | 994,000 | 1,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,533,000 | 19,477,000 | 20,188,000 | 20,958,000 |
| Total capital | 21,197,000 | 21,144,000 | 21,881,000 | 22,621,000 |
| Risk-weighted assets | 131,259,000 | 131,992,000 | 134,178,000 | 132,241,000 |