Call reports 2016
CITIZENS BANK OF WEST VIRGINIA, INC. — 2016
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 233,020,000 | 231,531,000 | 235,689,000 | 241,207,000 |
| Total loans | 170,311,000 | 173,902,000 | 178,651,000 | 180,550,000 |
| Allowance for loan losses | 1,978,000 | 1,959,000 | 1,993,000 | 2,032,000 |
| Securities available for sale | 27,523,000 | 27,364,000 | 26,431,000 | 25,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,366,000 | 181,952,000 | 186,742,000 | 193,868,000 |
| Interest-bearing deposits | 134,559,000 | 134,170,000 | 137,398,000 | 141,592,000 |
| Noninterest-bearing deposits | 50,807,000 | 47,782,000 | 49,344,000 | 52,276,000 |
| Equity capital | 23,176,000 | 23,505,000 | 23,858,000 | 23,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,355,000 | 4,700,000 | 7,158,000 | 9,639,000 |
| Interest expense | 162,000 | 332,000 | 516,000 | 695,000 |
| Net interest income | 2,193,000 | 4,368,000 | 6,642,000 | 8,944,000 |
| Noninterest income | 456,000 | 916,000 | 1,426,000 | 2,000,000 |
| Noninterest expense | 1,920,000 | 3,826,000 | 5,846,000 | 7,902,000 |
| Provision for loan losses | 83,000 | 130,000 | 214,000 | 299,000 |
| Pretax income | 646,000 | 1,328,000 | 2,007,000 | 2,742,000 |
| Income tax | 212,000 | 432,000 | 628,000 | 918,000 |
| Net income | 434,000 | 896,000 | 1,379,000 | 1,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,314,000 | 24,629,000 | 24,891,000 | 25,520,000 |
| Total capital | 26,186,000 | 26,531,000 | 26,824,000 | 27,475,000 |
| Risk-weighted assets | 149,583,000 | 152,096,000 | 154,393,000 | 156,251,000 |