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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549
 FORM 10-Q þ
    
    QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
 For the quarterly period ended: March 31, 2005 OR o
    
    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 Commission file number:          0-21714 CSB Bancorp, Inc. 
  Ohio
    
    34-1687530(State or other jurisdiction of
    
    (I.R.S. Employer Identification Number)incorporation or organization)
 6 W. Jackson Street, P.O. Box 232, Millersburg, Ohio 44654 
  (330) 674-9015 
  Indicate by check mark whether the registrant (1) has filed all reports required to be filed by
Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for
such shorter period that the registrant was required to file such reports), and (2) has been
subject to such filing requirements for the past 90 days. Yes (X) No ( ) Indicate by check mark whether the registrant is an accelerated filer (as defined in Rule 12b-2 of
the Exchange Act). Yes ( ) No (X) Indicate the number of shares outstanding of the registrants common stock, as of the latest
practicable date. Common stock, $6.25 par value
    
    Outstanding at May 12, 2005:2,644,968 common shares




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CSB BANCORP, INC.
FORM 10-Q
QUARTER ENDED March 31, 2005    
 Table of Contents PagePart I  Financial InformationITEM 1 
    
    FINANCIAL STATEMENTSConsolidated Balance Sheets
    
    
    3Consolidated Statements of Income
    
    
    4Consolidated Statements of Changes in Shareholders Equity
    
    
    5Condensed Consolidated Statements of Cash Flows
    
    
    6Notes to the Consolidated Financial Statements
    
    
    7ITEM 2 
    
    MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
    
    
    8ITEM 3 
    
    QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
    
    
    11ITEM 4 
    
    CONTROLS AND PROCEDURES
    
    
    11Part II  Other InformationITEM 1 
    
    LEGAL PROCEEDINGS
    
    
    122 
    
    UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS
    
    
    123 
    
    DEFAULTS UPON SENIOR SECURITIES
    
    
    124 
    
    SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
    
    
    125 
    
    OTHER INFORMATION
    
    
    126 
    
    EXHIBITS
    
    
    13Signatures
    
    
    14EX-11 Statement Regarding Computation of Per Share EarningsEX-31.1 Rule 13A-14(A)/15(D)-14(A) CEO's CertificationEX-31.2 Rule 13A-14(A)/15(D)-14(A) CFO's CertificationEX-32.1 Section 1350 CEO's CertificationEX-32.2 Seciton 1350 CFO's Certification




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CSB BANCORP, INC.
PART I  FINANCIAL INFORMATION 
  
 
 
 March 31,
    
    
    December 31,2005
    
    
    2004ASSETSCash and due from banks
    
    $
    10,515,412
    
    
    $
    12,501,954Interest-earning deposits in other banks
    
    
    9,619
    
    
    
    142,338Federal funds sold
    
    
    
    
    
    
    3,000,000Total cash and cash equivalents
    
    
    10,525,031
    
    
    
    15,644,292Securities available-for-sale, at fair value
    
    
    66,838,272
    
    
    
    73,438,070Restricted stock, at cost
    
    
    2,817,300
    
    
    
    2,790,400Total securities
    
    
    69,655,572
    
    
    
    76,228,470Loans
    
    
    224,107,821
    
    
    
    218,084,479Less allowance for loan losses
    
    
    2,410,053
    
    
    
    2,574,945Net loans
    
    
    221,697,768
    
    
    
    215,509,534Premises and equipment, net
    
    
    8,386,061
    
    
    
    8,243,997Accrued interest receivable and other assets
    
    
    2,400,960
    
    
    
    1,714,050Total Assets
    
    $
    312,665,392
    
    
    $
    317,340,343LIABILITIESDepositsNoninterest-bearing
    
    $
    34,951,634
    
    
    $
    41,733,596Interest-bearing
    
    
    208,771,128
    
    
    
    206,217,123Total deposits
    
    
    243,722,762
    
    
    
    247,950,719Securities sold under repurchase agreements
    
    
    10,944,852
    
    
    
    13,316,473Federal Home Loan Bank borrowings
    
    
    18,493,057
    
    
    
    18,745,236Federal funds purchased
    
    
    2,300,000Accrued interest payable and other liabilities
    
    
    1,435,227
    
    
    
    1,120,408Total liabilities
    
    
    276,895,898
    
    
    
    281,132,836SHAREHOLDERS EQUITYCommon stock, $6.25 par value: Authorized 9,000,000
shares; issued 2,667,786 shares
    
    
    16,673,667
    
    
    
    16,673,667Additional paid-in capital
    
    
    6,413,915
    
    
    
    6,413,915Retained earnings
    
    
    13,654,775
    
    
    
    13,358,321Treasury stock at cost: 22,818 shares in 2005 and
22,824 shares in 2004
    
    
    (626,934
    )
    
    
    (627,119
    )Accumulated other comprehensive income (loss)
    
    
    (345,929
    )
    
    
    388,723Total shareholders equity
    
    
    35,769,494
    
    
    
    36,207,507Total liabilities and shareholders equity
    
    $
    312,665,392
    
    
    $
    317,340,343
   See notes to consolidated financial statements. 3.




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CSB BANCORP, INC.
CONSOLIDATED STATEMENTS OF INCOME
(Unaudited)   Three Months EndedMarch 31,2005
    
    
    2004Interest incomeLoans, including fees
    
    $
    3,285,392
    
    
    $
    2,992,946Taxable securities
    
    
    519,329
    
    
    
    271,471Nontaxable securities
    
    
    168,788
    
    
    
    400,618Other
    
    
    670
    
    
    
    2,998Total interest income
    
    
    3,974,179
    
    
    
    3,668,033Interest expenseDeposits
    
    
    868,997
    
    
    
    834,830Other
    
    
    176,478
    
    
    
    137,418Total interest expense
    
    
    1,045,475
    
    
    
    972,248Net interest income
    
    
    2,928,704
    
    
    
    2,695,785Provision for loan losses
    
    
    105,999
    
    
    
    94,000Net interest income after provision
for loan losses
    
    
    2,822,705
    
    
    
    2,601,785Non-interest incomeService charges on deposit
accounts
    
    
    212,555
    
    
    
    182,415Gain on sale of securities
    
    
    247,047
    
    
    
    25,860Trust and financial services
    
    
    117,151
    
    
    
    93,642Other income
    
    
    203,504
    
    
    
    197,117Total non-interest income
    
    
    780,257
    
    
    
    499,034Non-interest expensesSalaries and employee benefits
    
    
    1,402,464
    
    
    
    1,259,139Occupancy expense
    
    
    158,778
    
    
    
    162,178Equipment expense
    
    
    123,488
    
    
    
    125,640State franchise tax
    
    
    104,923
    
    
    
    101,856Professional and director fees
    
    
    156,475
    
    
    
    186,331Other expenses
    
    
    731,021
    
    
    
    679,224Total non-interest expenses
    
    
    2,677,149
    
    
    
    2,514,368Income before income taxes
    
    
    925,813
    
    
    
    586,451Federal income tax provision
    
    
    259,000
    
    
    
    65,000Net income
    
    $
    666,813
    
    
    $
    521,451Basic and diluted earnings
per share
    
    $
    0.25
    
    
    $
    0.20
   See notes to consolidated financial statements. 4.




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CSB BANCORP, INC.
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS EQUITY
(Unaudited)   Three Months EndedMarch 31,2005
    
    
    2004Balance at beginning of period
    
    $
    36,207,507
    
    
    $
    34,717,538Comprehensive income (loss):Net income
    
    
    666,813
    
    
    
    521,451Change in net unrealized
gain (loss), net of reclassification adjustments
and related income taxes
    
    
    (734,652
    )
    
    
    52,185Total comprehensive income (loss)
    
    
    (67,839
    )
    
    
    573,636Issuance of 6 shares from treasury
    
    
    121Cash dividends declared
($0.14 per share in 2005,
and $0.13 per share in 2004)
    
    
    (370,295
    )
    
    
    (343,766
    )Balance at end of period
    
    $
    35,769,494
    
    
    $
    34,947,408
   See notes to consolidated financial statements. 5.




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CSB BANCORP, INC.
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
(Unaudited)   Three Months EndedMarch 31,2005
    
    
    2004Net cash from operating activities
    
    $
    650,780
    
    
    $
    (85,799
    )Cash flows from investing activitiesSecurities available-for-saleProceeds from maturities, calls and repayments
    
    
    725,910
    
    
    
    8,326,348Proceeds from sales
    
    
    5,098,433
    
    
    
    666,696Purchases
    
    
    (99,891
    )
    
    
    (22,997,891
    )Securities held to maturityProceeds from maturities, calls and repayments
    
    
    
    
    
    
    2,087,000Net change in loans
    
    
    (6,271,614
    )
    
    
    (5,059,423
    )Premises and equipment expenditures, net
    
    
    (327,277
    )
    
    
    (146,621
    )Net cash from investing activities
    
    
    (874,439
    )
    
    
    (17,123,891
    )Cash flows from financing activitiesNet change in deposits
    
    
    (4,227,957
    )
    
    
    (9,490,970
    )Net change in securities sold under repurchase agreements
    
    
    (2,371,621
    )
    
    
    672,092Net change in federal funds purchased
    
    
    2,300,000
    
    
    
    11,100,000Proceeds from FHLB borrowings
    
    
    5,000,000
    
    
    
    10,000,000Repayments of FHLB borrowings
    
    
    (5,252,179
    )
    
    
    (291,362
    )Cash dividends paid
    
    
    (343,845
    )
    
    
    (317,322
    )Net cash from financing activities
    
    
    (4,895,602
    )
    
    
    11,672,438Net change in cash and cash equivalents
    
    
    (5,119,261
    )
    
    
    (5,537,252
    )Cash and cash equivalents at beginning of period
    
    
    15,644,292
    
    
    
    17,201,381Cash and cash equivalents at end of period
    
    $
    10,525,031
    
    
    $
    11,664,129Supplemental disclosuresInterest paid
    
    $
    1,068,566
    
    
    $
    983,040Income taxes paid
    
    
    
    
    
    $
    150,000
   See notes to consolidated financial statements. 6.




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CSB BANCORP, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(Unaudited)   NOTE 1  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The accompanying consolidated financial statements include the accounts of CSB Bancorp, Inc. and
its wholly-owned subsidiary, The Commercial and Savings Bank (together referred to as the Company
or CSB). All significant intercompany transactions and balances have been eliminated in
consolidation. The consolidated financial statements have been prepared without audit. In the opinion of
management, all adjustments (which include normal recurring adjustments) necessary to present
fairly the Companys financial position at March 31, 2005, and the results of operations and
changes in cash flows for the periods presented have been made. Certain information and footnote disclosures typically included in financial statements prepared in
accordance with generally accepted accounting principles have been omitted. The Annual Report for
CSB for the year ended December 31, 2004, contains consolidated financial statements and related
footnote disclosures, which should be read in conjunction with the accompanying consolidated
financial statements. The results of operations for the period ended March 31, 2005 are not
necessarily indicative of the operating results for the full year or any future interim period. NOTE 2  SECURITIES
Securities consist of the following at March 31, 2005 and December 31, 2004: March 31, 2005 Gross
    
    
    Grossunrealized
    
    
    unrealized
    
    
    FairAmortized Cost
    
    
    gains
    
    
    losses
    
    
    valueAvailable-for-sale:U.S. Treasury security
    
    $
    99,897
    
    
    
    
    
    
    $
    1,178
    
    
    $
    98,719Obligations of U.S.
government
corporations and agencies
    
    
    37,991,504
    
    
    $
    2,659
    
    
    
    721,029
    
    
    
    37,273,134Obligations of states and
political subdivisions
    
    
    13,615,093
    
    
    
    502,107
    
    
    
    4,872
    
    
    
    14,112,328Mortgage-backed securities
    
    
    15,655,912
    
    
    
    1,610
    
    
    
    303,431
    
    
    
    15,354,091Total available-for-sale
    
    
    67,362,406
    
    
    
    506,376
    
    
    
    1,030,510
    
    
    
    66,838,272Restricted stock
    
    
    2,817,300
    
    
    
    
    
    
    
    
    
    
    
    2,817,300Total securities
    
    $
    70,179,706
    
    
    $
    506,376
    
    
    $
    1,030,510
    
    
    $
    69,655,572
 December 31, 2004 Gross
    
    
    Grossunrealized
    
    
    unrealized
    
    
    FairAmortized Cost
    
    
    gains
    
    
    losses
    
    
    ValueAvailable-for-sale:U.S. Treasury security
    
    $
    101,551
    
    
    $
    32,277
    
    
    
    
    
    
    $
    133,828Obligations of U.S.
government
corporations and agencies
    
    
    39,458,087
    
    
    
    38,527
    
    
    $
    282,074
    
    
    
    39,214,540Obligations of states and
political subdivisions
    
    
    16,997,965
    
    
    
    863,774
    
    
    
    
    
    
    
    17,861,739Mortgage-backed securities
    
    
    16,291,492
    
    
    
    9,347
    
    
    
    72,876
    
    
    
    16,227,963Total available-for-sale
    
    
    72,849,095
    
    
    
    943,925
    
    
    
    354,950
    
    
    
    73,438,070Restricted stock
    
    
    2,790,400
    
    
    
    
    
    
    
    
    
    
    
    2,790,400Total securities
    
    $
    75,639,495
    
    
    $
    943,925
    
    
    $
    354,950
    
    
    $
    76,228,470
   7.




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##### Table of Contents



CSB BANCORP, INC.
MANAGEMENTS DISCUSSION AND ANALYSIS OF
FINANCIAL CONDITION AND RESULTS OF OPERATIONS   
 ITEM 2  MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS The following discussion focuses on the consolidated financial condition of CSB Bancorp, Inc. and
its subsidiary (the Company) at March 31, 2005 as compared to December 31, 2004, and the
consolidated results of operations for the quarterly period ending March 31, 2005 compared to the
same period in 2004. The purpose of this discussion is to provide the reader with a more thorough
understanding of the consolidated financial statements. This discussion should be read in
conjunction with the interim consolidated financial statements and related footnotes. FORWARD-LOOKING STATEMENTS Certain statements contained in this report that are not historical facts but rather are
forward-looking statements that are subject to certain risks and uncertainties. When used herein,
the terms anticipates, plans, expects, believes, and similar expressions as they relate to
the Company or its management are intended to identify such forward-looking statements. The
Companys actual results, performance or achievements may materially differ from those expressed or
implied in the forward-looking statements. Risks and uncertainties that could cause or contribute
to such material differences include, but are not limited to, general economic conditions, interest
rate environment, competitive conditions in the financial services industry, changes in law,
governmental policies and regulations, and rapidly changing technology affecting financial
services. The Company does not undertake, and specifically disclaims any obligation, to publicly revise any
forward-looking statements to reflect events or circumstances after the date of such statements or
to reflect the occurrence of anticipated or unanticipated events. FINANCIAL CONDITION Total assets were $312.7 million at March 31, 2005, compared to $317.3 million at December 31,
2004, representing a decrease of $4.6 million or 1.4%. Cash and cash equivalents decreased $5.1
million, or 32.7%, during the three-month period ending March 31, 2005, due to a $2.0 million
decrease in cash and due from banks and a $3.0 million decrease in Federal funds sold. Securities
decreased $6.6 million or 8.6% during the quarter principally due to the sale or maturity of
securities with an amortized cost of $5.6 million and a $1.1 million change in unrealized gain
(loss) on available-for-sale securities. Net loans increased $6.2 million, or 2.9%. The increase
is a result of seasonal credit draws, growth in home equity line lending and a slowing of
prepayments within the mortgage loan portfolio. Total liabilities decreased $4.2 million or 1.5%
during the quarter which matched the decrease in deposits during the quarter.   8.




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CSB BANCORP, INC.
MANAGEMENTS DISCUSSION AND ANALYSIS OF
FINANCIAL CONDITION AND RESULTS OF OPERATIONS   Net loans increased $6.2 million, or 2.9% during the three-month period ended March 31, 2005. This
increase was due to a combination of increased loan demand and production within the Companys
market area. The allowance for loan losses amounted to $2,410,000, or 1.08% of gross loans at March
31, 2005, compared to $2,575,000, or 1.18 % of total loans at December 31, 2004. The components of
the change in the allowance for loan losses during the three-month period ended March 31, 2005,
included a provision of $106,000 and net loan charge-offs of $271,000. Loans past due more than 90
days and still accruing interest and loans placed on nonaccrual status, aggregated $1,432,000, or
0.64% of total loans at March 31, 2005 compared to $1,671,000, or 0.77% of total loans at December
31, 2004. At March 31, 2005, the ratio of net loans to deposits was 91.0%, compared to 86.9% at December 31,
2004. The increase in this ratio is due to loan growth coupled with deposit shrinkage experienced
during the three months ended March 31, 2005. The Company had unrealized
losses of $524,000 within its investment portfolio at March 31, 2005 as
compared against unrealized gains of $589,000 at December 31, 2004. Management has considered
industry analyst reports, sector credit reports and volatility in the bond market in concluding
that the unrealized losses as of March 31, 2005 were primarily the result of customary and expected
fluctuations in the bond market. As a result, all security impairments as of March 31, 2005 are
considered temporary. The decrease in Federal Home Loan Bank borrowings resulted from scheduled pay downs of existing
advances. Other external financing sources remained relatively
stable, with a $2.4 million decrease in securities sold under
repurchase agreements, and a $2.3 million increase in federal
funds purchased during the three-month period. Total shareholders equity amounted to $35.8 million, or 11.4% of total assets, at March 31, 2005,
compared to $36.2 million, or 11.4% of total assets, at December 31, 2004. The decrease in
shareholders equity during the three months ended March 31, 2005 was principally due to dividends
declared of $370,000, and a decrease in unrealized gain (loss) on securities, net of tax, of
$735,000, offset by net income of $667,000. The Company and its subsidiary met all regulatory
capital requirements at March 31, 2005.   9.




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CSB BANCORP, INC. MANAGEMENTS DISCUSSION AND ANALYSIS OF
FINANCIAL CONDITION AND RESULTS OF OPERATIONS   RESULTS OF OPERATIONS
Three months ended March 31, 2005 and 2004 For the quarter ended March 31, 2005, the Company recorded net income of $667,000, or $.25 per
share, as compared to net income of $521,000, or $.20 per share for the quarter ended March 31,
2004. The increase in net income for the quarter of $146,000 was principally due to a $233,000
increase in net interest income, an increase in gain on the sale of securities of $221,000 and a
$60,000 increase in core fee and service charge income, offset by a $143,000 increase in salaries
and employee benefits, a $12,000 increase in the provision for loan losses and a $194,000 increase
in the federal income tax provision. Interest income for the quarter ended March 31, 2005 of $3.97 million represents an increase of
$306,000, or 8.3%, compared to the same period in 2004. This increase was primarily due to an
increase of 40 basis points on average loan rates coupled with a $6.9 million increase in average
gross loan balances. Interest expense for the quarter ended March 31, 2005 was $1,045,000, an
increase of $73,000, or 7.5%, from the same period in 2004. The increase in interest expense
occurred due to both increases in rate and average volume of interest-bearing liabilities. The
average balance of interest-bearing liabilities rose $1.7 million with an average rate increase of
12 basis points to 1.76% for the quarter ended March 31, 2005 as compared to the quarter ended
March 31, 2004. The provision for loan losses for the quarter ended March 31, 2005 was $106,000, compared to a
$94,000 provision for the same quarter in 2004. The provision or credit for loan losses is
determined based on managements calculation of the allowance for loan losses, which includes
provisions for classified loans, as well as for the remainder of the portfolio based on historical
data, including past charge-offs, and current economic trends. Non-interest income for the quarter ended March 31, 2005 of $780,000 represents an increase of
$281,000, or 56.3%, compared to the same quarter in 2004. This increase was primarily due to an
increase in the gain on the sale of securities of $221,000, increases of $31,000 in fees on
deposits, and increases of $23,000 in trust and brokerage income. The increase in trust and
brokerage income can largely be attributed to the opening in March 2005 of a trust office in
Wooster. Assets under management by the trust department amounted to $53.7 million at March 31,
2005 as compared to $42.9 million at December 31, 2004. Such assets are not reflected in the
Companys consolidated balance sheet. The increases in other non-interest income were offset by
decreases in merchant credit card income of $40,000 as the merchant card program was sold to a
third-party servicer in late 2004. Non-interest expenses for the quarter ended March 31, 2005 increased $163,000, or 6.5%, compared to
the first quarter of 2004. This increase was due primarily to the increase in salaries and
employee benefit expense of $143,000 with an overall increase in head count and benefits. Other
expense also increased during the first quarter of 2005 as a result of two robberies at a branch
office and the resulting increase in security costs following those robberies. Merchant credit card
program expense declined by $42,000 during the first quarter 2005 as compared against 2004 a
result of the sale of the merchant credit card program to a third party servicer in late 2004.   10.




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CSB BANCORP, INC.   
 ITEM 3  QUALITATIVE AND QUANTITATIVE DISCLOSURES ABOUT MARKET RISK There have been no material changes in the quantitative and qualitative disclosures about market
risks as of March 31, 2005 from that presented in the Companys Annual Report on Form 10-K for the
fiscal year ended December 31, 2004. Management performs a quarterly analysis of the Companys
interest rate risk. All positions are currently within the Board-approved policy. 
 ITEM 4  CONTROLS AND PROCEDURES With the participation of our management, including our Chief Executive Officer and Chief Financial
Officer, we have evaluated the effectiveness of our disclosure controls and procedures (as defined
in Rule 13a-15(e) under the Securities Exchange Act of 1934, as amended (the Exchange Act)) as of
the end of the period covered by this Quarterly Report on Form 10-Q. Based upon that evaluation,
our Chief Executive Officer and Chief Financial Officer have concluded that: (a) information required to disclosed by the Company in this Quarterly Report on Form 10-Q would be
accumulated and communicated to the Companys management, including its Chief Executive Officer and
Chief Financial Officer, as appropriate, to allow timely decisions regarding required disclosure; (b) information required to be disclosed by the Company in this Quarterly Report on Form 10-Q would
be recorded, processed, summarized and reported within the time periods specified in the Securities
and Exchange Commissions rules and forms; and (c) the Companys disclosure controls and procedures are effective as of the end of the period
covered by this Quarterly Report on Form 10-Q to ensure that material information relating to the
Company and its consolidated subsidiary is made known to them, particularly during the period for
which our periodic reports, including this Quarterly Report on Form 10-Q, are being prepared. CHANGES IN INTERNAL CONTROL OVER FINANCIAL REPORTING There were no changes during the period covered by this Quarterly Report on Form 10-Q in our
internal control over financial reporting (as defined in Rule 13a-15(f) under the Exchange Act)
that have materially affected, or are reasonably likely to materially affect, our internal control
over financial reporting.   11.




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CSB BANCORP, INC. 
 FORM 10-Q
Quarter ended March 31, 2005
PART II  OTHER INFORMATION   
 ITEM 1 
    
    LEGAL PROCEEDINGSThere are no matters required to be reported under this item.ITEM 2 
    
    UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDSThere are no matters required to be reported under this item.ITEM 3 
    
    DEFAULTS UPON SENIOR SECURITIESThere are no matters required to be reported under this item.ITEM 4 
    
    SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERSThere are no matters required to be reported under this item.ITEM 5 
    
    OTHER INFORMATIONThere are no matters required to be reported under this item.
   12.




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CSB BANCORP, INC. FORM 10-Q
Quarter ended March 31, 2005
PART II  OTHER INFORMATION   
 Item 6 
    
    Exhibits:
 ExhibitNumber
    
    Description of Document11
    
    Statement Regarding Computation of Per Share Earnings (reference
is hereby made to Consolidated Statements of Income on page 4 hereof.)31.1
    
    Rule 13a-14(a)/15d-14(a) CEOs Certification31.2
    
    Rule 13a-14(a)/15d-14(a) CFOs Certification32.1
    
    Section 1350 CEOs Certification32.2
    
    Section 1350 CFOs Certification
   13.




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##### Table of Contents



CSB BANCORP, INC. 
 SIGNATURES   Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused
this report to be signed on its behalf by the undersigned, thereunto duly authorized. CSB BANCORP, INC.
(Registrant)Date: May 12, 2005
    /s/ John J. LimbertJohn J. LimbertPresident
Chief Executive OfficerDate: May 12, 2005
    /s/ Paula J. MeilerPaula J. MeilerSenior Vice President
Chief Financial Officer   14.




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##### Table of Contents



CSB BANCORP, INC. Index to Exhibits   Exhibit
    
    
    
    SequentialNumber
    
    Description of Document
    
    Page11
    
    Statement Regarding Computation of Per Share
Earnings (reference is hereby made to Consolidated Statements of
Income on page 4 hereof.)31.1
    
    Rule 13a-14(a)/15d-14(a) CEOs Certification31.2
    
    Rule 13a-14(a)/15d-14(a) CFOs Certification32.1
    
    Section 1350 CEOs Certification32.2
    
    Section 1350 CFOs Certification
   15.