Call reports 2009
CSB BANK — 2009
What CSB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 230,753,000 | 226,381,000 | 219,527,000 | 218,269,000 |
| Total loans | 149,056,000 | 145,600,000 | 142,545,000 | 138,602,000 |
| Allowance for loan losses | 1,657,000 | 1,937,000 | 2,344,000 | 2,549,000 |
| Securities available for sale | 49,887,000 | 55,534,000 | 55,805,000 | 53,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,369,000 | 188,280,000 | 181,514,000 | 181,590,000 |
| Interest-bearing deposits | 161,971,000 | 158,918,000 | 153,511,000 | 151,395,000 |
| Noninterest-bearing deposits | 28,398,000 | 29,362,000 | 28,003,000 | 30,195,000 |
| Equity capital | 20,151,000 | 19,957,000 | 20,004,000 | 18,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,761,000 | 5,462,000 | 8,266,000 | 10,780,000 |
| Interest expense | 1,010,000 | 1,939,000 | 2,671,000 | 3,272,000 |
| Net interest income | 1,751,000 | 3,523,000 | 5,595,000 | 7,508,000 |
| Noninterest income | 521,000 | 1,307,000 | 1,840,000 | 2,281,000 |
| Noninterest expense | 1,820,000 | 3,919,000 | 5,919,000 | 8,689,000 |
| Provision for loan losses | 350,000 | 870,000 | 2,500,000 | 4,170,000 |
| Pretax income | 102,000 | 41,000 | -984,000 | -3,070,000 |
| Income tax | 40,000 | 12,000 | -295,000 | -1,344,000 |
| Net income | 62,000 | 29,000 | -689,000 | -1,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,561,000 | 18,527,000 | 17,854,000 | 17,611,000 |
| Total capital | 20,218,000 | 20,231,000 | 19,512,000 | 19,263,000 |
| Risk-weighted assets | 138,773,000 | 136,099,000 | 131,963,000 | 131,226,000 |