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): October 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)
TABLE OF CONTENTS
ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION
ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS
SIGNATURES
ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION
On October 13, 2004, VSB Bancorp, Inc. (the "Company") reported its results
of operations for the quarter ended September 30, 2004 of $618,841 or diluted
earnings per share of $0.41, and for the nine months ended September 30, 2004 of
$1,607,319 or diluted earnings per share of $1.08. The Company's return on
average assets and average equity was 1.19% and 22.40%, respectively, for the
quarter ended September 30, 2004. This information and the accompanying press
release were disseminated on October 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.
ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS
c. Exhibits - Press Release dated October 13, 2004 of VSB Bancorp, Inc.
describing the results of operations for the quarter and nine months
ended September 30, 2004 is annexed as Exhibit 99.1.
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: October 13, 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 nine months ended September 30, 2004.