Call reports 2004
CSB BANK — 2004
What CSB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 206,006,000 | 203,705,000 | 207,585,000 | 209,458,000 |
| Total loans | 141,361,000 | 142,067,000 | 145,274,000 | 149,585,000 |
| Allowance for loan losses | 1,469,000 | 1,546,000 | 1,641,000 | 1,674,000 |
| Securities available for sale | 49,935,000 | 45,250,000 | 46,794,000 | 46,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,745,000 | 162,023,000 | 162,309,000 | 164,605,000 |
| Interest-bearing deposits | 143,490,000 | 143,163,000 | 142,968,000 | 144,940,000 |
| Noninterest-bearing deposits | 18,255,000 | 18,860,000 | 19,341,000 | 19,665,000 |
| Equity capital | 21,426,000 | 20,503,000 | 21,514,000 | 21,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,741,000 | 5,514,000 | 8,327,000 | 11,186,000 |
| Interest expense | 993,000 | 2,008,000 | 3,029,000 | 4,079,000 |
| Net interest income | 1,748,000 | 3,506,000 | 5,298,000 | 7,107,000 |
| Noninterest income | 331,000 | 686,000 | 1,126,000 | 1,506,000 |
| Noninterest expense | 1,309,000 | 2,697,000 | 4,017,000 | 5,455,000 |
| Provision for loan losses | 119,000 | 237,000 | 355,000 | 459,000 |
| Pretax income | 641,000 | 1,199,000 | 2,054,000 | 2,704,000 |
| Income tax | 200,000 | 395,000 | 581,000 | 766,000 |
| Net income | 441,000 | 804,000 | 1,473,000 | 1,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,232,000 | 19,414,000 | 19,872,000 | 20,120,000 |
| Total capital | 20,701,000 | 20,960,000 | 21,625,000 | 21,997,000 |
| Risk-weighted assets | 155,079,000 | 155,013,000 | 156,160,000 | 159,640,000 |