UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): July 13, 2004
VSB Bancorp, Inc.
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(Exact Name of Registrant as specified in its charter)
New York 0-50237 11-3680128
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(State or other jurisdiction Commission File IRS Employer Identification
of incorporation) Number No.
3155 Amboy Road, Staten Island, New York 10306
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Address of principal (Zip/Postal Code) executive offices
Registrant's telephone number: 718-979-1100
n/a
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(Former name or former address, if changed since last report)
ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
c. Exhibits - Press Release dated July 13, 2004 of VSB Bancorp, Inc.
describing the results of operations for the quarter and six months
ended June 30, 2004 is annexed as Exhibit 99.1.
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION
On July 13, 2004, VSB Bancorp, Inc. (the "Company") reported its results of
operations for the quarter ended June 30, 2004 of $489,308 or diluted earnings
per share of $0.33, and for the six months ended June 20, 2004 of $988,478 or
diluted earnings per share of $0.67. The Company's return on average assets and
average equity was 1.04% and 16.68%, respectively, for the quarter ended June
30, 2004. This information and the accompanying press release were disseminated
on July 13, 2004 through the broad distribution of the press release in a manner
designed to provide broad, non-exclusionary distribution of the information to
the public, but this voluntary report on Form 8-K is being filed so that the
public can have a consistent source for earnings releases by searching the SEC's
EDGAR database.
For additional information, see annexed Exhibit 99.1.
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 hereunto duly authorized.
Dated: August 4, 2004
VSB Bancorp, Inc.
By: /s/ RAFFAELE M. BRANCA
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Raffaele M. Branca
Executive Vice President and CFO
INDEX TO EXHIBITS
Exhibit No. Description
99.1 Press Release reporting results of operations for the
quarter and six months ended June 30, 2004.