Call reports 2005
CSB BANK — 2005
What CSB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 200,836,000 | 199,740,000 | 199,676,000 | 204,525,000 |
| Total loans | 133,407,000 | 138,716,000 | 142,628,000 | 145,145,000 |
| Allowance for loan losses | 1,515,000 | 1,412,000 | 1,471,000 | 1,538,000 |
| Securities available for sale | 44,397,000 | 39,891,000 | 35,210,000 | 33,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,956,000 | 168,506,000 | 168,025,000 | 172,520,000 |
| Interest-bearing deposits | 139,998,000 | 138,698,000 | 137,239,000 | 141,261,000 |
| Noninterest-bearing deposits | 28,959,000 | 29,808,000 | 30,785,000 | 31,259,000 |
| Equity capital | 18,317,000 | 17,462,000 | 17,864,000 | 18,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,500,000 | 5,089,000 | 7,790,000 | 10,583,000 |
| Interest expense | 646,000 | 1,330,000 | 2,067,000 | 2,894,000 |
| Net interest income | 1,854,000 | 3,759,000 | 5,723,000 | 7,689,000 |
| Noninterest income | 451,000 | 986,000 | 1,611,000 | 2,139,000 |
| Noninterest expense | 1,788,000 | 3,585,000 | 5,315,000 | 7,097,000 |
| Provision for loan losses | 30,000 | 70,000 | 130,000 | 190,000 |
| Pretax income | 487,000 | 1,090,000 | 1,889,000 | 2,541,000 |
| Income tax | 120,000 | 265,000 | 505,000 | 640,000 |
| Net income | 367,000 | 825,000 | 1,384,000 | 1,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,762,000 | 15,817,000 | 16,315,000 | 16,774,000 |
| Total capital | 18,278,000 | 17,229,000 | 17,786,000 | 18,313,000 |
| Risk-weighted assets | 128,694,000 | 131,806,000 | 134,878,000 | 136,240,000 |