Vitals
  • Total Assets
    241.2M 7.8 %
  • Total Deposits
    193.9M 10.0 %
  • Total Net Loans
    178.5M 5.9 %
  • Net Income
    1.8M 20.0 %
  • Book Value
    23.8M 4.9 %
  • Book Value x2
    47.7M 4.9 %
  • Book Value x3
    71.5M 4.9 %
ROAA

.782

ROAE

7.788

Efficiency Ratio

71.554

Net Interest Margin

4.138

Balance Sheet Highlights
Financial Highlights Citizens Bank Of West Virginia, Inc. All Insured Commercial Banks in West Virginia
Balance Sheet $(000)
Total Assets 241,207 360,672
Total Net Loans 178,518 251,469
Total Deposits 193,868 299,214
Total Equity 23,838 38,258
Profitability
Net Income 1,824 3,285
Return on Average Assets .782 .706
Return on Average Equity 7.788 6.418
Net Interest Margin 4.138 3.744
Efficiency Ratio 71.554 72.606
Noninterest Income/Revenue 17.039 20.548
Balance Sheet Ratios
Loan-to-Deposit 92.082 76.49
Securities/Assets .107 .175
Total Equity/Total Assets .099 .106
Tangible Equity/Tangible Assets .096 .096
Capital Adequacy
Tier 1 Common Capital 25,520 35,874
Tier 1 Capital 25,520 36,036
Tier 2 Capital 1,955 2,393
Total Capital 27,475 38,423
Total Risk Weighted Assets 156,251 244,928
Leverage Ratio 10.85 10.924
Common Equity Tier 1 Capital Ratio 16.33 18.341
Tier 1 Capital Ratio 16.33 18.347
Total Capital Ratio 17.58 19.449

Timeline for Citizens Bank Of West Virginia, Inc.

Citizens Financial Services, Llc

Citizens Financial Services, Llc became a new subsidiary organization for Citizens Bank Of West Virginia, Inc..

View Profile Feb 13 2008

Citizens Financial Corp.

Citizens Financial Corp. became a new parent organization for Citizens Bank Of West Virginia, Inc..

View Profile Apr 30 1987

The Tucker County Bank

Acquisition: Citizens Bank Of West Virginia, Inc. acquired a new subsidiary, The Tucker County Bank, 41 years

View Profile Feb 03 1984

Citizens Bank Of West Virginia, Inc.

Citizens Bank Of West Virginia, Inc. was established 101 years ago and is currently headquartered in Elkins, WV.

Jan 22 1924
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Tucker County Bank Seller 15,437 Failure 2/3/1984
Relationships Role Relationship Start Relationship End
Citizens Financial Corp. Parent 4/30/1987
Citizens Financial Services, Llc Subsidary 2/13/2008
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