EX-13.3 3 dex133.htm EXHIBIT 13.3 Exhibit 13.3

Exhibit 13.3

 

First West Virginia Bancorp, Inc.

Summarized Quarterly Financial Information

 

A summary of selected quarterly financial information follows:

 

2004

 

   First
Quarter


    Second
Quarter


Total interest income

   $ 3,312,275     $ 3,264,003

Total interest expense

     1,065,824       1,039,123

Net interest income

     2,246,451       2,224,880

Provision for loan losses

     30,000       90,000

Investment securities (gain) loss

     (2,501 )     6,427

Total other income

     289,355       301,170

Total other expenses

     1,624,134       1,628,201

Income before income taxes

     879,171       814,276

Net income

     658,740       625,579

Net income per share

     0.43       0.41

 

2003

 

   First
Quarter


   Second
Quarter


    Third
Quarter


   Fourth
Quarter


 

Total interest income

   $ 3,396,307    $ 3,331,171     $ 3,312,373    $ 3,278,963  

Total interest expense

     1,204,535      1,170,228       1,126,618      1,101,601  

Net interest income

     2,191,772      2,160,943       2,185,755      2,177,362  

Provision for loan losses

     90,000      75,000       45,000      225,000  

Investment securities gain

     —        105,200       8      108,510  

Total other income

     265,118      264,732       311,285      291,259  

Total other expenses

     1,549,416      1,531,582       1,659,473      1,601,272  

Income before income taxes

     817,474      924,293       792,575      750,859  

Net income

     619,471      690,729       608,923      599,118  

Net income per share

     0.40      0.45       0.40      0.39  

2002

 

   First
Quarter


   Second
Quarter


    Third
Quarter


   Fourth
Quarter


 

Total interest income

   $ 3,442,323    $ 3,659,721     $ 3,633,724    $ 3,572,817  

Total interest expense

     1,273,474      1,300,488       1,298,615      1,227,913  

Net interest income

     2,168,849      2,359,233       2,335,109      2,344,904  

Provision for loan losses

     150,000      150,000       150,000      90,000  

Investment securities gain (loss)

     17,477      (4,974 )     3      (6,281 )

Total other income

     229,059      241,130       282,411      274,173  

Total other expenses

     1,420,298      1,501,635       1,527,168      1,612,925  

Income before income taxes

     845,087      943,754       940,355      909,871  

Net income

     610,964      673,063       675,707      714,083  

Net income per share

     0.40      0.44       0.44      0.46