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EXHIBIT 13.3
Summarized Quarterly Financial Information
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First West Virginia Bancorp, Inc.
Summarized Quarterly Financial Information
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A summary of selected quarterly financial information follows:
<TABLE>
<CAPTION>
First Second Third
2000 Quarter Quarter Quarter
----------- ----------- -----------
<S> <C> <C> <C>
Total interest income $ 3,497,338 $ 3,652,438 $ 3,830,686
Total interest expense 1,592,567 1,717,471 1,880,663
Net interest income 1,904,771 1,934,967 1,950,023
Provision for loan losses 97,500 97,500 100,500
Investment Securities Gain (Loss) 23,443 -- --
Total other income 207,183 191,360 231,450
Total other expenses 1,227,411 1,204,469 1,204,439
Income before income taxes 810,486 824,358 876,534
Net income 559,543 584,860 603,940
Net income per share .37 .39 .40
</TABLE>
<TABLE>
<CAPTION>
First Second Third Fourth
1999 Quarter Quarter Quarter Quarter
----------- ----------- ----------- -----------
<S> <C> <C> <C> <C>
Total interest income $ 3,117,090 $ 3,220,452 $ 3,455,711 $ 3,413,428
Total interest expense 1,321,239 1,340,768 1,440,894 1,499,061
Net interest income 1,795,851 1,879,684 2,014,817 1,914,367
Provision for loan losses 76,500 76,500 97,500 97,500
Investment Securities Gain (Loss) 9,153 3,312 54 (20)
Total other income 198,994 479,611 199,019 183,297
Total other expenses 1,133,286 1,177,455 1,284,423 1,145,078
Income before income taxes 794,212 1,108,652 831,967 855,066
Net income 548,216 744,190 566,517 591,458
Net income per share (1) .36 .49 .38 .39
</TABLE>
<TABLE>
<CAPTION>
First Second Third Fourth
1998 Quarter Quarter Quarter Quarter
---------- ----------- ----------- -----------
<S> <C> <C> <C> <C>
Total interest income $3,017,292 $ 3,062,636 $ 3,148,133 $ 3,224,052
Total interest expense 1,276,939 1,325,792 1,363,263 1,357,847
Net interest income 1,740,353 1,736,844 1,784,870 1,866,205
Provision for loan losses 46,500 56,500 76,500 76,500
Investment Securities Gain (Loss) (1,608) -- 2,786 -
Total other income 191,504 183,293 215,373 195,010
Total other expenses 1,109,594 1,125,921 1,172,069 1,266,218
Income before income taxes 774,155 737,716 754,460 718,497
Net income 519,740 501,192 515,715 496,378
Net income per share (1) .35 .33 .34 .33
</TABLE>
(1) Adjusted for 6 for 5 stock split in the effect of a twenty (20) percent
common stock dividend, declared October 12, 1999 to shareholders of
record as of November 1, 1999, a 4 percent common stock dividend to
stockholders of record as of October 1, 1998, and a 3 for 2 stock split
in the effect of a fifty (50) percent common stock dividend to
shareholders of record as of October 1, 1997.
