Call reports 2021
CITIZENS BANK OF WEST VIRGINIA, INC. — 2021
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 344,240,000 | 343,433,000 | 364,876,000 | 495,157,000 |
| Total loans | 267,664,000 | 275,181,000 | 283,236,000 | 293,477,000 |
| Allowance for loan losses | 3,159,000 | 3,325,000 | 3,507,000 | 3,685,000 |
| Securities available for sale | 19,136,000 | 27,422,000 | 42,328,000 | 79,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,980,000 | 293,135,000 | 312,743,000 | 424,619,000 |
| Interest-bearing deposits | 205,796,000 | 205,853,000 | 219,029,000 | 303,574,000 |
| Noninterest-bearing deposits | 91,184,000 | 87,282,000 | 93,714,000 | 121,045,000 |
| Equity capital | 32,710,000 | 33,855,000 | 34,980,000 | 42,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,666,000 | 7,282,000 | 11,125,000 | 15,086,000 |
| Interest expense | 330,000 | 630,000 | 918,000 | 1,217,000 |
| Net interest income | 3,336,000 | 6,652,000 | 10,207,000 | 13,869,000 |
| Noninterest income | 897,000 | 1,746,000 | 2,636,000 | 3,623,000 |
| Noninterest expense | 2,401,000 | 4,626,000 | 6,926,000 | 9,671,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 500,000 |
| Pretax income | 1,682,000 | 3,472,000 | 5,467,000 | 7,321,000 |
| Income tax | 352,000 | 721,000 | 1,139,000 | 1,502,000 |
| Net income | 1,330,000 | 2,751,000 | 4,328,000 | 5,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,360,000 | 36,481,000 | 37,658,000 | 40,354,000 |
| Total capital | 38,258,000 | 39,525,000 | 40,863,000 | 44,039,000 |
| Risk-weighted assets | 231,546,000 | 243,256,000 | 256,112,000 | 314,739,000 |