Call reports 2015
CITIZENS BANK OF WEST VIRGINIA, INC. — 2015
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 221,196,000 | 219,450,000 | 222,037,000 | 223,711,000 |
| Total loans | 154,209,000 | 159,453,000 | 167,045,000 | 170,487,000 |
| Allowance for loan losses | 1,938,000 | 1,857,000 | 1,867,000 | 1,922,000 |
| Securities available for sale | 29,784,000 | 29,600,000 | 28,843,000 | 27,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,322,000 | 169,898,000 | 170,809,000 | 176,168,000 |
| Interest-bearing deposits | 120,530,000 | 120,520,000 | 121,109,000 | 124,517,000 |
| Noninterest-bearing deposits | 50,792,000 | 49,378,000 | 49,700,000 | 51,651,000 |
| Equity capital | 22,446,000 | 22,470,000 | 22,706,000 | 22,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,202,000 | 4,412,000 | 6,736,000 | 9,096,000 |
| Interest expense | 167,000 | 335,000 | 500,000 | 656,000 |
| Net interest income | 2,035,000 | 4,077,000 | 6,236,000 | 8,440,000 |
| Noninterest income | 505,000 | 1,016,000 | 1,382,000 | 1,887,000 |
| Noninterest expense | 1,829,000 | 3,685,000 | 5,841,000 | 7,838,000 |
| Provision for loan losses | 125,000 | 250,000 | 126,000 | 251,000 |
| Pretax income | 586,000 | 1,158,000 | 1,650,000 | 2,237,000 |
| Income tax | 186,000 | 345,000 | 512,000 | 717,000 |
| Net income | 400,000 | 813,000 | 1,138,000 | 1,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,693,000 | 23,174,000 | 23,359,000 | 23,647,000 |
| Total capital | 25,447,000 | 24,943,000 | 25,220,000 | 25,538,000 |
| Risk-weighted assets | 140,212,000 | 141,055,000 | 148,415,000 | 150,694,000 |