Citizens Bank Of West Virginia, Inc.
Elkins, WV — Non-member Bank
Active
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Citizens Bank Of West Virginia, Inc. | All Insured Commercial Banks in West Virginia |
| Interest and Fees on Loans | 8,923 | 11,666 |
| Income from Lease Financing Receivables | — | 1 |
| 60 | 100 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 31 | 47 |
| Income on Loans and Leases (TE) | 8,954 | 11,724 |
| Investment Interest Income (TE) | 613 | 1,523 |
| Total Interest Income (TE) | 9,738 | 13,460 |
| Total Interest Expense | 695 | 1,601 |
| Net Interest Income (TE) | 9,043 | 11,860 |
| Non-Interest Income | 2,000 | 3,481 |
| Adjusted Operating Income (TE) | 11,043 | 15,431 |
| Non-interest Expense | 7,902 | 10,280 |
| Provision for Loan & Lease Losses | 299 | 502 |
| Pretax Operating Income (TE) | 2,842 | 4,739 |
| Pretax Net Operating Income (TE) | 2,841 | 4,910 |
| Applicable Income Taxes | 918 | 1,424 |
| Net Operating Income | 1,824 | 3,265 |
| Net Income | 1,824 | 3,285 |
| Cash Dividends Declared | 576 | 1,194 |
| Retained Earnings | 1,248 | 1,335 |