Call reports 2022
CITIZENS BANK OF WEST VIRGINIA, INC. — 2022
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 506,605,000 | 500,956,000 | 561,122,000 | 591,030,000 |
| Total loans | 304,710,000 | 340,158,000 | 400,568,000 | 447,234,000 |
| Allowance for loan losses | 3,758,000 | 3,869,000 | 3,895,000 | 3,958,000 |
| Securities available for sale | 126,357,000 | 129,625,000 | 126,085,000 | 86,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,026,000 | 426,807,000 | 472,004,000 | 520,054,000 |
| Interest-bearing deposits | 311,763,000 | 310,037,000 | 350,307,000 | 406,294,000 |
| Noninterest-bearing deposits | 125,263,000 | 116,770,000 | 121,697,000 | 113,760,000 |
| Equity capital | 40,554,000 | 40,403,000 | 39,988,000 | 52,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,901,000 | 8,288,000 | 13,256,000 | 19,113,000 |
| Interest expense | 305,000 | 583,000 | 1,112,000 | 2,384,000 |
| Net interest income | 3,596,000 | 7,705,000 | 12,144,000 | 16,729,000 |
| Noninterest income | 959,000 | 1,859,000 | 2,730,000 | 3,591,000 |
| Noninterest expense | 2,706,000 | 5,086,000 | 8,036,000 | 11,201,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 1,699,000 | 4,178,000 | 6,388,000 | 8,569,000 |
| Income tax | 342,000 | 828,000 | 1,253,000 | 1,694,000 |
| Net income | 1,357,000 | 3,350,000 | 5,135,000 | 6,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,410,000 | 43,053,000 | 44,400,000 | 55,806,000 |
| Total capital | 45,168,000 | 46,922,000 | 48,295,000 | 59,764,000 |
| Risk-weighted assets | 331,963,000 | 373,762,000 | 437,823,000 | 490,092,000 |