Call reports 2004
CONSERVATION FIRST BANK — 2004
What CONSERVATION FIRST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 34,777,000 | 34,888,000 | 35,454,000 | 37,740,000 |
| Total loans | 24,817,000 | 25,331,000 | 25,574,000 | 27,819,000 |
| Allowance for loan losses | 148,000 | 144,000 | 154,000 | 160,000 |
| Securities available for sale | 2,468,000 | 2,377,000 | 2,244,000 | 2,236,000 |
| Securities held to maturity | 4,494,000 | 4,615,000 | 4,803,000 | 4,589,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,043,000 | 31,718,000 | 32,584,000 | 34,577,000 |
| Interest-bearing deposits | 28,561,000 | 28,495,000 | 29,662,000 | 30,845,000 |
| Noninterest-bearing deposits | 3,483,000 | 3,223,000 | 2,922,000 | 3,732,000 |
| Equity capital | 2,500,000 | 2,515,000 | 2,626,000 | 2,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 502,000 | 1,000,000 | 1,529,000 | 2,070,000 |
| Interest expense | 175,000 | 340,000 | 515,000 | 688,000 |
| Net interest income | 327,000 | 660,000 | 1,014,000 | 1,382,000 |
| Noninterest income | 45,000 | 94,000 | 149,000 | 203,000 |
| Noninterest expense | 272,000 | 542,000 | 813,000 | 1,135,000 |
| Provision for loan losses | 9,000 | 28,000 | 37,000 | 46,000 |
| Pretax income | 92,000 | 185,000 | 315,000 | 406,000 |
| Income tax | 30,000 | 62,000 | 107,000 | 139,000 |
| Net income | 62,000 | 123,000 | 208,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,500,000 | 2,555,000 | 2,640,000 | 2,598,000 |
| Total capital | 2,648,000 | 2,699,000 | 2,794,000 | 2,758,000 |
| Risk-weighted assets | 22,940,000 | 24,037,000 | 24,596,000 | 26,516,000 |