Call reports 2002
CONSERVATION FIRST BANK — 2002
What CONSERVATION FIRST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 29,849,000 | 30,156,000 | 31,480,000 | 31,859,000 |
| Total loans | 21,845,000 | 22,441,000 | 23,350,000 | 23,620,000 |
| Allowance for loan losses | 159,000 | 161,000 | 170,000 | 174,000 |
| Securities available for sale | 1,782,000 | 1,813,000 | 1,431,000 | 1,257,000 |
| Securities held to maturity | 3,672,000 | 3,943,000 | 3,672,000 | 4,147,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,547,000 | 27,723,000 | 28,963,000 | 29,327,000 |
| Interest-bearing deposits | 25,045,000 | 25,210,000 | 26,357,000 | 26,230,000 |
| Noninterest-bearing deposits | 2,502,000 | 2,513,000 | 2,606,000 | 3,097,000 |
| Equity capital | 2,037,000 | 2,100,000 | 2,196,000 | 2,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 542,000 | 1,097,000 | 1,696,000 | 2,259,000 |
| Interest expense | 260,000 | 516,000 | 773,000 | 1,002,000 |
| Net interest income | 282,000 | 581,000 | 923,000 | 1,257,000 |
| Noninterest income | 25,000 | 48,000 | 73,000 | 101,000 |
| Noninterest expense | 219,000 | 436,000 | 653,000 | 879,000 |
| Provision for loan losses | 9,000 | 73,000 | 82,000 | 91,000 |
| Pretax income | 79,000 | 120,000 | 261,000 | 388,000 |
| Income tax | 30,000 | 40,000 | 95,000 | 141,000 |
| Net income | 49,000 | 80,000 | 166,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,082,000 | 2,113,000 | 2,199,000 | 2,221,000 |
| Total capital | 2,241,000 | 2,274,000 | 2,369,000 | 2,395,000 |
| Risk-weighted assets | 20,596,000 | 21,181,000 | 21,391,000 | 21,120,000 |