Call reports 2003
CSB BANK — 2003
What CSB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 195,653,000 | 202,331,000 | 204,904,000 | 202,676,000 |
| Total loans | 111,337,000 | 110,342,000 | 123,242,000 | 125,947,000 |
| Allowance for loan losses | 1,485,000 | 1,434,000 | 1,470,000 | 1,596,000 |
| Securities available for sale | 59,684,000 | 65,640,000 | 64,015,000 | 59,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,219,000 | 171,183,000 | 173,908,000 | 172,002,000 |
| Interest-bearing deposits | 143,969,000 | 142,908,000 | 143,625,000 | 144,637,000 |
| Noninterest-bearing deposits | 26,250,000 | 28,275,000 | 30,283,000 | 27,366,000 |
| Equity capital | 16,899,000 | 17,535,000 | 17,411,000 | 17,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,640,000 | 5,182,000 | 7,805,000 | 10,348,000 |
| Interest expense | 917,000 | 1,721,000 | 2,489,000 | 3,238,000 |
| Net interest income | 1,723,000 | 3,461,000 | 5,316,000 | 7,110,000 |
| Noninterest income | 985,000 | 1,755,000 | 2,186,000 | 2,711,000 |
| Noninterest expense | 1,748,000 | 3,326,000 | 4,961,000 | 6,394,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 930,000 | 1,830,000 | 2,451,000 | 3,307,000 |
| Income tax | 255,000 | 522,000 | 677,000 | 862,000 |
| Net income | 675,000 | 1,308,000 | 1,774,000 | 2,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,916,000 | 14,395,000 | 14,673,000 | 15,195,000 |
| Total capital | 15,319,000 | 15,829,000 | 16,144,000 | 16,713,000 |
| Risk-weighted assets | 111,401,000 | 115,239,000 | 121,231,000 | 121,323,000 |
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