Call reports 2006
CSB BANK — 2006
What CSB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 210,660,000 | 213,351,000 | 228,933,000 | 222,571,000 |
| Total loans | 149,183,000 | 147,732,000 | 152,271,000 | 152,037,000 |
| Allowance for loan losses | 1,544,000 | 1,422,000 | 1,492,000 | 1,446,000 |
| Securities available for sale | 46,153,000 | 50,901,000 | 59,438,000 | 53,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,329,000 | 176,836,000 | 178,310,000 | 174,851,000 |
| Interest-bearing deposits | 150,398,000 | 155,716,000 | 155,017,000 | 153,587,000 |
| Noninterest-bearing deposits | 20,931,000 | 21,120,000 | 23,293,000 | 21,264,000 |
| Equity capital | 22,433,000 | 22,385,000 | 23,026,000 | 23,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,091,000 | 6,374,000 | 9,827,000 | 13,371,000 |
| Interest expense | 1,294,000 | 2,705,000 | 4,281,000 | 5,945,000 |
| Net interest income | 1,797,000 | 3,669,000 | 5,546,000 | 7,426,000 |
| Noninterest income | 380,000 | 790,000 | 1,251,000 | 1,617,000 |
| Noninterest expense | 1,615,000 | 2,969,000 | 4,566,000 | 6,088,000 |
| Provision for loan losses | 105,000 | 210,000 | 622,000 | 1,095,000 |
| Pretax income | 529,000 | 1,354,000 | 2,095,000 | 2,769,000 |
| Income tax | 133,000 | 354,000 | 603,000 | 530,000 |
| Net income | 396,000 | 1,000,000 | 1,492,000 | 2,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,354,000 | 20,769,000 | 21,895,000 | 22,345,000 |
| Total capital | 23,220,000 | 22,499,000 | 23,532,000 | 23,791,000 |
| Risk-weighted assets | 163,589,000 | 164,399,000 | 170,949,000 | 168,755,000 |