Call reports 2006
CONSERVATION FIRST BANK — 2006
What CONSERVATION FIRST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 43,527,000 | 44,011,000 | 44,731,000 | 44,067,000 |
| Total loans | 33,777,000 | 34,277,000 | 34,941,000 | 34,227,000 |
| Allowance for loan losses | 240,000 | 242,000 | 240,000 | 256,000 |
| Securities available for sale | 1,591,000 | 1,576,000 | 1,704,000 | 1,706,000 |
| Securities held to maturity | 3,829,000 | 4,101,000 | 4,128,000 | 3,883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,064,000 | 35,820,000 | 36,676,000 | 36,043,000 |
| Interest-bearing deposits | 32,490,000 | 32,051,000 | 32,683,000 | 31,908,000 |
| Noninterest-bearing deposits | 3,574,000 | 3,769,000 | 3,993,000 | 4,136,000 |
| Equity capital | 3,423,000 | 3,481,000 | 3,565,000 | 3,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 689,000 | 1,413,000 | 2,174,000 | 2,964,000 |
| Interest expense | 312,000 | 619,000 | 954,000 | 1,317,000 |
| Net interest income | 377,000 | 794,000 | 1,220,000 | 1,647,000 |
| Noninterest income | 68,000 | 144,000 | 203,000 | 261,000 |
| Noninterest expense | 376,000 | 754,000 | 1,140,000 | 1,479,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 54,000 | 154,000 | 238,000 | 369,000 |
| Income tax | 13,000 | 47,000 | 65,000 | 120,000 |
| Net income | 41,000 | 107,000 | 173,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,448,000 | 3,515,000 | 3,580,000 | 3,656,000 |
| Total capital | 3,688,000 | 3,757,000 | 3,820,000 | 3,912,000 |
| Risk-weighted assets | 29,754,000 | 30,352,000 | 31,053,000 | 29,519,000 |