Call reports 2012
CSB BANK — 2012
What CSB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 225,890,000 | 222,902,000 | 221,446,000 | 220,374,000 |
| Total loans | 121,218,000 | 120,536,000 | 118,524,000 | 114,817,000 |
| Allowance for loan losses | 2,915,000 | 2,700,000 | 2,912,000 | 2,966,000 |
| Securities available for sale | 73,965,000 | 77,543,000 | 78,265,000 | 78,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,864,000 | 190,465,000 | 190,397,000 | 193,218,000 |
| Interest-bearing deposits | 148,748,000 | 147,508,000 | 146,758,000 | 148,967,000 |
| Noninterest-bearing deposits | 44,116,000 | 42,957,000 | 43,639,000 | 44,251,000 |
| Equity capital | 19,058,000 | 19,414,000 | 19,880,000 | 20,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,051,000 | 4,135,000 | 6,116,000 | 8,078,000 |
| Interest expense | 335,000 | 656,000 | 948,000 | 1,214,000 |
| Net interest income | 1,716,000 | 3,479,000 | 5,168,000 | 6,864,000 |
| Noninterest income | 531,000 | 992,000 | 1,519,000 | 2,273,000 |
| Noninterest expense | 1,848,000 | 3,555,000 | 5,244,000 | 7,006,000 |
| Provision for loan losses | 300,000 | 525,000 | 750,000 | 850,000 |
| Pretax income | 99,000 | 462,000 | 765,000 | 1,353,000 |
| Income tax | 10,000 | 50,000 | 125,000 | 240,000 |
| Net income | 89,000 | 412,000 | 640,000 | 1,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,282,000 | 17,621,000 | 18,054,000 | 18,283,000 |
| Total capital | 18,779,000 | 19,098,000 | 19,490,000 | 19,704,000 |
| Risk-weighted assets | 117,551,000 | 116,171,000 | 113,418,000 | 112,099,000 |