Call reports 2015
CSB BANK — 2015
What CSB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 238,832,000 | 240,598,000 | 244,141,000 | 245,334,000 |
| Total loans | 118,380,000 | 125,127,000 | 130,072,000 | 131,589,000 |
| Allowance for loan losses | 1,855,000 | 1,829,000 | 1,831,000 | 1,520,000 |
| Securities available for sale | 94,448,000 | 96,888,000 | 91,342,000 | 88,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,150,000 | 210,371,000 | 218,669,000 | 219,357,000 |
| Interest-bearing deposits | 161,182,000 | 154,463,000 | 159,563,000 | 160,326,000 |
| Noninterest-bearing deposits | 52,968,000 | 55,909,000 | 59,105,000 | 59,031,000 |
| Equity capital | 21,795,000 | 21,740,000 | 22,175,000 | 22,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,779,000 | 3,635,000 | 5,552,000 | 7,457,000 |
| Interest expense | 100,000 | 197,000 | 299,000 | 395,000 |
| Net interest income | 1,679,000 | 3,438,000 | 5,253,000 | 7,062,000 |
| Noninterest income | 449,000 | 1,007,000 | 1,542,000 | 2,127,000 |
| Noninterest expense | 1,828,000 | 3,692,000 | 5,613,000 | 7,446,000 |
| Provision for loan losses | 0 | 0 | 0 | -300,000 |
| Pretax income | 454,000 | 907,000 | 1,336,000 | 2,197,000 |
| Income tax | 105,000 | 205,000 | 315,000 | 545,000 |
| Net income | 349,000 | 702,000 | 1,021,000 | 1,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,638,000 | 20,762,000 | 21,104,000 | 21,525,000 |
| Total capital | 23,225,000 | 22,335,000 | 22,728,000 | 23,045,000 |
| Risk-weighted assets | 126,720,000 | 125,133,000 | 129,291,000 | 135,476,000 |