Call reports 2005
CSB BANK — 2005
What CSB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 206,946,000 | 204,332,000 | 206,616,000 | 208,830,000 |
| Total loans | 147,281,000 | 149,758,000 | 145,791,000 | 147,470,000 |
| Allowance for loan losses | 1,688,000 | 1,754,000 | 1,808,000 | 1,791,000 |
| Securities available for sale | 43,582,000 | 38,604,000 | 45,091,000 | 46,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,842,000 | 165,046,000 | 170,236,000 | 164,405,000 |
| Interest-bearing deposits | 139,888,000 | 144,019,000 | 148,181,000 | 143,045,000 |
| Noninterest-bearing deposits | 19,954,000 | 21,027,000 | 22,055,000 | 21,360,000 |
| Equity capital | 21,325,000 | 21,589,000 | 21,852,000 | 22,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,875,000 | 5,788,000 | 8,766,000 | 11,816,000 |
| Interest expense | 1,017,000 | 2,081,000 | 3,171,000 | 4,324,000 |
| Net interest income | 1,858,000 | 3,707,000 | 5,595,000 | 7,492,000 |
| Noninterest income | 314,000 | 697,000 | 1,193,000 | 1,615,000 |
| Noninterest expense | 1,385,000 | 3,000,000 | 4,458,000 | 5,876,000 |
| Provision for loan losses | 119,000 | 237,000 | 335,000 | 401,000 |
| Pretax income | 649,000 | 1,239,000 | 2,035,000 | 2,870,000 |
| Income tax | 219,000 | 414,000 | 614,000 | 791,000 |
| Net income | 430,000 | 825,000 | 1,421,000 | 2,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,315,000 | 20,469,000 | 20,492,000 | 21,227,000 |
| Total capital | 22,135,000 | 22,364,000 | 22,476,000 | 23,280,000 |
| Risk-weighted assets | 158,549,000 | 159,647,000 | 159,319,000 | 161,511,000 |