Call reports 2018
CITIZENS BANK OF WEST VIRGINIA, INC. — 2018
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 252,740,000 | 258,383,000 | 265,559,000 | 264,083,000 |
| Total loans | 199,842,000 | 212,001,000 | 219,017,000 | 223,457,000 |
| Allowance for loan losses | 2,093,000 | 2,167,000 | 2,286,000 | 2,323,000 |
| Securities available for sale | 20,640,000 | 19,199,000 | 17,660,000 | 15,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,326,000 | 206,096,000 | 222,674,000 | 220,858,000 |
| Interest-bearing deposits | 141,728,000 | 146,821,000 | 161,945,000 | 160,102,000 |
| Noninterest-bearing deposits | 61,598,000 | 59,275,000 | 60,729,000 | 60,756,000 |
| Equity capital | 25,195,000 | 25,729,000 | 26,326,000 | 26,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,768,000 | 5,618,000 | 8,601,000 | 11,758,000 |
| Interest expense | 258,000 | 543,000 | 929,000 | 1,354,000 |
| Net interest income | 2,510,000 | 5,075,000 | 7,672,000 | 10,404,000 |
| Noninterest income | 228,000 | 656,000 | 1,160,000 | 1,532,000 |
| Noninterest expense | 1,886,000 | 3,661,000 | 5,528,000 | 7,539,000 |
| Provision for loan losses | 0 | 184,000 | 336,000 | 450,000 |
| Pretax income | 852,000 | 1,886,000 | 2,967,000 | 3,946,000 |
| Income tax | 164,000 | 360,000 | 588,000 | 774,000 |
| Net income | 688,000 | 1,526,000 | 2,379,000 | 3,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,331,000 | 27,897,000 | 28,605,000 | 29,136,000 |
| Total capital | 29,424,000 | 30,064,000 | 30,891,000 | 31,459,000 |
| Risk-weighted assets | 173,229,000 | 185,529,000 | 191,085,000 | 194,171,000 |