Call reports 2001
CONSERVATION FIRST BANK — 2001
What CONSERVATION FIRST BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 29,461,000 | 30,140,000 | 29,785,000 | 30,488,000 |
| Total loans | 21,246,000 | 22,687,000 | 23,816,000 | 22,577,000 |
| Allowance for loan losses | 151,000 | 156,000 | 161,000 | 151,000 |
| Securities available for sale | 1,030,000 | 981,000 | 1,039,000 | 1,580,000 |
| Securities held to maturity | 4,179,000 | 3,707,000 | 3,247,000 | 3,645,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,164,000 | 27,828,000 | 27,265,000 | 28,188,000 |
| Interest-bearing deposits | 25,100,000 | 25,244,000 | 24,920,000 | 25,108,000 |
| Noninterest-bearing deposits | 2,064,000 | 2,584,000 | 2,345,000 | 3,080,000 |
| Equity capital | 1,941,000 | 1,940,000 | 2,024,000 | 2,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 549,000 | 1,092,000 | 1,690,000 | 2,283,000 |
| Interest expense | 331,000 | 663,000 | 985,000 | 1,291,000 |
| Net interest income | 218,000 | 429,000 | 705,000 | 992,000 |
| Noninterest income | 19,000 | 67,000 | 90,000 | 116,000 |
| Noninterest expense | 202,000 | 394,000 | 592,000 | 809,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 30,000 | 93,000 | 189,000 | 281,000 |
| Income tax | 7,000 | 27,000 | 61,000 | 93,000 |
| Net income | 23,000 | 66,000 | 128,000 | 188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,956,000 | 1,959,000 | 2,020,000 | 2,033,000 |
| Total capital | 2,107,000 | 2,115,000 | 2,181,000 | 2,184,000 |
| Risk-weighted assets | 19,776,000 | 20,923,000 | 21,379,000 | 20,368,000 |