Call reports 2008
CSB BANK — 2008
What CSB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 229,333,000 | 223,671,000 | 221,786,000 | 222,078,000 |
| Total loans | 151,216,000 | 149,913,000 | 149,394,000 | 148,748,000 |
| Allowance for loan losses | 2,040,000 | 2,080,000 | 1,675,000 | 1,832,000 |
| Securities available for sale | 47,509,000 | 50,805,000 | 50,363,000 | 46,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,557,000 | 183,670,000 | 179,919,000 | 181,737,000 |
| Interest-bearing deposits | 158,742,000 | 155,357,000 | 151,637,000 | 153,841,000 |
| Noninterest-bearing deposits | 28,815,000 | 28,314,000 | 28,282,000 | 27,896,000 |
| Equity capital | 20,225,000 | 19,622,000 | 19,459,000 | 20,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,033,000 | 6,029,000 | 8,944,000 | 11,821,000 |
| Interest expense | 1,389,000 | 2,626,000 | 3,701,000 | 4,690,000 |
| Net interest income | 1,644,000 | 3,403,000 | 5,243,000 | 7,131,000 |
| Noninterest income | 493,000 | 1,042,000 | 1,304,000 | 1,839,000 |
| Noninterest expense | 1,850,000 | 3,700,000 | 5,502,000 | 7,644,000 |
| Provision for loan losses | 90,000 | 180,000 | 670,000 | 1,087,000 |
| Pretax income | 197,000 | 565,000 | 375,000 | 239,000 |
| Income tax | 30,000 | 80,000 | 90,000 | -292,000 |
| Net income | 167,000 | 485,000 | 285,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,362,000 | 18,590,000 | 18,331,000 | 18,552,000 |
| Total capital | 20,131,000 | 20,329,000 | 20,006,000 | 20,267,000 |
| Risk-weighted assets | 141,223,000 | 138,756,000 | 138,108,000 | 137,094,000 |