Call reports 2013
CSB BANK — 2013
What CSB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 228,279,000 | 228,012,000 | 226,728,000 | 231,083,000 |
| Total loans | 111,610,000 | 109,828,000 | 109,371,000 | 107,938,000 |
| Allowance for loan losses | 2,841,000 | 2,578,000 | 2,502,000 | 2,203,000 |
| Securities available for sale | 89,343,000 | 98,483,000 | 96,152,000 | 94,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,449,000 | 199,152,000 | 200,258,000 | 204,349,000 |
| Interest-bearing deposits | 155,020,000 | 152,354,000 | 153,216,000 | 154,777,000 |
| Noninterest-bearing deposits | 46,429,000 | 46,798,000 | 47,042,000 | 49,572,000 |
| Equity capital | 20,178,000 | 19,248,000 | 19,246,000 | 19,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,843,000 | 3,744,000 | 5,568,000 | 7,376,000 |
| Interest expense | 206,000 | 393,000 | 575,000 | 754,000 |
| Net interest income | 1,637,000 | 3,351,000 | 4,993,000 | 6,622,000 |
| Noninterest income | 497,000 | 1,195,000 | 1,609,000 | 2,081,000 |
| Noninterest expense | 1,756,000 | 3,562,000 | 5,431,000 | 7,176,000 |
| Provision for loan losses | 105,000 | 175,000 | 175,000 | 0 |
| Pretax income | 273,000 | 809,000 | 1,080,000 | 1,788,000 |
| Income tax | 41,000 | 164,000 | 224,000 | 404,000 |
| Net income | 232,000 | 645,000 | 856,000 | 1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,606,000 | 18,323,000 | 18,389,000 | 18,535,000 |
| Total capital | 20,012,000 | 19,762,000 | 19,828,000 | 19,970,000 |
| Risk-weighted assets | 111,036,000 | 113,208,000 | 114,077,000 | 113,979,000 |