Call reports 2019
CITIZENS BANK OF WEST VIRGINIA, INC. — 2019
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 279,744,000 | 274,600,000 | 282,573,000 | 284,966,000 |
| Total loans | 226,270,000 | 228,162,000 | 228,642,000 | 229,810,000 |
| Allowance for loan losses | 2,344,000 | 2,445,000 | 2,639,000 | 2,532,000 |
| Securities available for sale | 14,965,000 | 13,301,000 | 15,927,000 | 15,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,644,000 | 229,961,000 | 234,817,000 | 237,535,000 |
| Interest-bearing deposits | 172,350,000 | 172,265,000 | 177,863,000 | 175,108,000 |
| Noninterest-bearing deposits | 62,294,000 | 57,696,000 | 56,954,000 | 62,427,000 |
| Equity capital | 27,381,000 | 28,041,000 | 28,578,000 | 28,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,172,000 | 6,494,000 | 9,885,000 | 13,303,000 |
| Interest expense | 514,000 | 1,076,000 | 1,654,000 | 2,229,000 |
| Net interest income | 2,658,000 | 5,418,000 | 8,231,000 | 11,074,000 |
| Noninterest income | 494,000 | 1,051,000 | 1,698,000 | 2,030,000 |
| Noninterest expense | 2,139,000 | 4,225,000 | 6,201,000 | 8,312,000 |
| Provision for loan losses | 100,000 | 314,000 | 763,000 | 912,000 |
| Pretax income | 913,000 | 1,930,000 | 2,965,000 | 3,880,000 |
| Income tax | 181,000 | 370,000 | 602,000 | 774,000 |
| Net income | 732,000 | 1,560,000 | 2,363,000 | 3,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,603,000 | 30,165,000 | 30,654,000 | 31,133,000 |
| Total capital | 31,947,000 | 32,610,000 | 33,140,000 | 33,632,000 |
| Risk-weighted assets | 196,453,000 | 199,916,000 | 198,706,000 | 199,877,000 |