Call reports 2003
CONSERVATION FIRST BANK — 2003
What CONSERVATION FIRST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 32,698,000 | 33,288,000 | 32,882,000 | 34,807,000 |
| Total loans | 23,403,000 | 22,953,000 | 22,344,000 | 24,045,000 |
| Allowance for loan losses | 184,000 | 184,000 | 205,000 | 138,000 |
| Securities available for sale | 1,568,000 | 2,260,000 | 2,372,000 | 2,655,000 |
| Securities held to maturity | 4,018,000 | 4,473,000 | 5,116,000 | 5,096,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,161,000 | 30,676,000 | 30,231,000 | 32,074,000 |
| Interest-bearing deposits | 27,463,000 | 27,457,000 | 27,225,000 | 27,680,000 |
| Noninterest-bearing deposits | 2,698,000 | 3,219,000 | 3,006,000 | 4,394,000 |
| Equity capital | 2,283,000 | 2,356,000 | 2,394,000 | 2,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 538,000 | 1,059,000 | 1,563,000 | 2,092,000 |
| Interest expense | 215,000 | 423,000 | 619,000 | 802,000 |
| Net interest income | 323,000 | 636,000 | 944,000 | 1,290,000 |
| Noninterest income | 23,000 | 89,000 | 123,000 | 193,000 |
| Noninterest expense | 245,000 | 491,000 | 733,000 | 975,000 |
| Provision for loan losses | 9,000 | 29,000 | 46,000 | 55,000 |
| Pretax income | 92,000 | 205,000 | 292,000 | 458,000 |
| Income tax | 39,000 | 77,000 | 110,000 | 168,000 |
| Net income | 53,000 | 128,000 | 182,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,274,000 | 2,349,000 | 2,403,000 | 2,434,000 |
| Total capital | 2,458,000 | 2,533,000 | 2,608,000 | 2,572,000 |
| Risk-weighted assets | 20,853,000 | 21,108,000 | 20,949,000 | 21,689,000 |