Call reports 2003
CSB BANK — 2003
What CSB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 182,588,000 | 180,724,000 | 183,452,000 | 195,169,000 |
| Total loans | 129,692,000 | 127,923,000 | 133,833,000 | 137,037,000 |
| Allowance for loan losses | 1,247,000 | 1,319,000 | 1,359,000 | 1,433,000 |
| Securities available for sale | 37,637,000 | 40,726,000 | 36,489,000 | 44,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,602,000 | 155,014,000 | 155,280,000 | 152,856,000 |
| Interest-bearing deposits | 141,896,000 | 138,841,000 | 136,151,000 | 135,404,000 |
| Noninterest-bearing deposits | 17,706,000 | 16,173,000 | 19,129,000 | 17,452,000 |
| Equity capital | 14,762,000 | 15,652,000 | 15,584,000 | 20,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,815,000 | 5,573,000 | 8,250,000 | 10,924,000 |
| Interest expense | 1,189,000 | 2,286,000 | 3,309,000 | 4,283,000 |
| Net interest income | 1,626,000 | 3,287,000 | 4,941,000 | 6,641,000 |
| Noninterest income | 236,000 | 581,000 | 1,153,000 | 1,538,000 |
| Noninterest expense | 1,298,000 | 2,637,000 | 4,009,000 | 5,412,000 |
| Provision for loan losses | 119,000 | 237,000 | 395,000 | 544,000 |
| Pretax income | 561,000 | 1,288,000 | 1,928,000 | 2,475,000 |
| Income tax | 185,000 | 400,000 | 560,000 | 720,000 |
| Net income | 376,000 | 888,000 | 1,368,000 | 1,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,066,000 | 13,610,000 | 13,999,000 | 19,000,000 |
| Total capital | 14,313,000 | 14,929,000 | 15,358,000 | 20,433,000 |
| Risk-weighted assets | 137,537,000 | 135,295,000 | 142,235,000 | 148,756,000 |