Call reports 2017
CITIZENS BANK OF WEST VIRGINIA, INC. — 2017
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 241,346,000 | 246,836,000 | 251,409,000 | 248,135,000 |
| Total loans | 180,302,000 | 185,172,000 | 189,629,000 | 193,903,000 |
| Allowance for loan losses | 2,006,000 | 2,040,000 | 2,126,000 | 2,145,000 |
| Securities available for sale | 25,669,000 | 25,614,000 | 25,132,000 | 24,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,691,000 | 194,773,000 | 197,612,000 | 197,168,000 |
| Interest-bearing deposits | 142,944,000 | 143,840,000 | 147,097,000 | 142,494,000 |
| Noninterest-bearing deposits | 51,747,000 | 50,933,000 | 50,515,000 | 54,674,000 |
| Equity capital | 24,226,000 | 24,458,000 | 24,777,000 | 24,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,460,000 | 4,948,000 | 7,592,000 | 10,266,000 |
| Interest expense | 182,000 | 380,000 | 626,000 | 884,000 |
| Net interest income | 2,278,000 | 4,568,000 | 6,966,000 | 9,382,000 |
| Noninterest income | 506,000 | 899,000 | 1,327,000 | 1,749,000 |
| Noninterest expense | 1,885,000 | 3,945,000 | 5,733,000 | 7,572,000 |
| Provision for loan losses | 24,000 | 103,000 | 203,000 | 328,000 |
| Pretax income | 875,000 | 1,419,000 | 2,356,000 | 3,230,000 |
| Income tax | 292,000 | 461,000 | 768,000 | 1,658,000 |
| Net income | 583,000 | 958,000 | 1,588,000 | 1,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,017,000 | 26,252,000 | 26,589,000 | 26,857,000 |
| Total capital | 27,966,000 | 28,268,000 | 28,653,000 | 28,967,000 |
| Risk-weighted assets | 155,874,000 | 161,291,000 | 165,075,000 | 168,790,000 |