Call reports 2004
CSB BANK — 2004
What CSB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 203,693,000 | 203,829,000 | 202,207,000 | 201,952,000 |
| Total loans | 126,892,000 | 131,673,000 | 133,254,000 | 132,616,000 |
| Allowance for loan losses | 1,541,000 | 1,553,000 | 1,604,000 | 1,484,000 |
| Securities available for sale | 57,561,000 | 53,936,000 | 51,549,000 | 46,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,724,000 | 173,276,000 | 170,069,000 | 169,981,000 |
| Interest-bearing deposits | 144,646,000 | 144,418,000 | 141,596,000 | 140,697,000 |
| Noninterest-bearing deposits | 28,078,000 | 28,858,000 | 28,473,000 | 29,284,000 |
| Equity capital | 18,040,000 | 17,630,000 | 18,164,000 | 18,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,441,000 | 4,949,000 | 7,459,000 | 9,973,000 |
| Interest expense | 714,000 | 1,393,000 | 2,055,000 | 2,709,000 |
| Net interest income | 1,727,000 | 3,556,000 | 5,404,000 | 7,264,000 |
| Noninterest income | 429,000 | 911,000 | 1,414,000 | 1,896,000 |
| Noninterest expense | 1,751,000 | 3,473,000 | 5,194,000 | 6,636,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 375,000 | 934,000 | 1,729,000 | 2,599,000 |
| Income tax | 65,000 | 200,000 | 417,000 | 607,000 |
| Net income | 310,000 | 734,000 | 1,312,000 | 1,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,341,000 | 15,609,000 | 16,029,000 | 16,551,000 |
| Total capital | 16,882,000 | 17,162,000 | 17,614,000 | 18,037,000 |
| Risk-weighted assets | 123,295,000 | 125,739,000 | 126,801,000 | 128,620,000 |