Call reports 2007
CSB BANK — 2007
What CSB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 211,718,000 | 211,890,000 | 208,679,000 | 221,141,000 |
| Total loans | 150,009,000 | 152,047,000 | 154,481,000 | 151,214,000 |
| Allowance for loan losses | 1,382,000 | 1,467,000 | 1,558,000 | 2,095,000 |
| Securities available for sale | 32,775,000 | 34,395,000 | 35,475,000 | 47,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,772,000 | 178,836,000 | 175,347,000 | 177,870,000 |
| Interest-bearing deposits | 148,835,000 | 149,346,000 | 147,689,000 | 150,533,000 |
| Noninterest-bearing deposits | 29,936,000 | 29,490,000 | 27,658,000 | 27,337,000 |
| Equity capital | 19,232,000 | 19,231,000 | 19,676,000 | 19,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,095,000 | 6,213,000 | 9,390,000 | 12,562,000 |
| Interest expense | 1,224,000 | 2,487,000 | 3,772,000 | 5,189,000 |
| Net interest income | 1,871,000 | 3,726,000 | 5,618,000 | 7,373,000 |
| Noninterest income | 517,000 | 1,075,000 | 1,607,000 | 2,057,000 |
| Noninterest expense | 1,893,000 | 3,652,000 | 5,439,000 | 7,162,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 940,000 |
| Pretax income | 405,000 | 969,000 | 1,516,000 | 1,328,000 |
| Income tax | 75,000 | 190,000 | 325,000 | 106,000 |
| Net income | 330,000 | 779,000 | 1,191,000 | 1,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,830,000 | 18,160,000 | 18,355,000 | 18,291,000 |
| Total capital | 19,212,000 | 19,627,000 | 19,913,000 | 20,052,000 |
| Risk-weighted assets | 141,260,000 | 142,830,000 | 141,473,000 | 140,505,000 |