Call reports 2025
CITIZENS BANK OF WEST VIRGINIA, INC. — 2025
What CITIZENS BANK OF WEST VIRGINIA, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 687,048,000 | 682,467,000 | 685,603,000 | 704,628,000 |
| Total loans | 538,730,000 | 540,227,000 | 550,016,000 | 559,273,000 |
| Allowance for loan losses | 5,092,000 | 5,363,000 | 5,426,000 | 5,741,000 |
| Securities available for sale | 70,592,000 | 72,798,000 | 77,612,000 | 70,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 609,094,000 | 601,810,000 | 602,832,000 | 620,730,000 |
| Interest-bearing deposits | 496,072,000 | 491,210,000 | 491,742,000 | 501,087,000 |
| Noninterest-bearing deposits | 113,022,000 | 110,600,000 | 111,090,000 | 119,643,000 |
| Equity capital | 66,668,000 | 69,123,000 | 72,023,000 | 72,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,576,000 | 19,310,000 | 29,311,000 | 39,758,000 |
| Interest expense | 3,147,000 | 6,281,000 | 9,348,000 | 12,419,000 |
| Net interest income | 6,429,000 | 13,029,000 | 19,963,000 | 27,339,000 |
| Noninterest income | 1,025,000 | 2,122,000 | 3,255,000 | 4,124,000 |
| Noninterest expense | 3,655,000 | 7,404,000 | 11,464,000 | 15,512,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 2,020,000 |
| Pretax income | 3,349,000 | 6,847,000 | 10,404,000 | 13,931,000 |
| Income tax | 738,000 | 1,499,000 | 2,266,000 | 3,061,000 |
| Net income | 2,611,000 | 5,348,000 | 8,138,000 | 10,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,167,000 | 68,479,000 | 70,670,000 | 71,263,000 |
| Total capital | 71,312,000 | 73,895,000 | 76,149,000 | 77,057,000 |
| Risk-weighted assets | 580,112,000 | 586,584,000 | 600,226,000 | 611,742,000 |