Call reports 2007
CONSERVATION FIRST BANK — 2007
What CONSERVATION FIRST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 44,060,000 | 46,166,000 | 45,848,000 | 46,641,000 |
| Total loans | 34,291,000 | 36,138,000 | 36,726,000 | 36,140,000 |
| Allowance for loan losses | 277,000 | 293,000 | 258,000 | 280,000 |
| Securities available for sale | 1,706,000 | 1,694,000 | 1,611,000 | 1,417,000 |
| Securities held to maturity | 3,863,000 | 3,713,000 | 3,579,000 | 3,612,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,058,000 | 37,525,000 | 36,927,000 | 38,159,000 |
| Interest-bearing deposits | 32,186,000 | 33,168,000 | 32,731,000 | 33,597,000 |
| Noninterest-bearing deposits | 3,872,000 | 4,357,000 | 4,196,000 | 4,562,000 |
| Equity capital | 3,674,000 | 3,761,000 | 3,803,000 | 3,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 747,000 | 1,595,000 | 2,458,000 | 3,283,000 |
| Interest expense | 361,000 | 741,000 | 1,137,000 | 1,533,000 |
| Net interest income | 386,000 | 854,000 | 1,321,000 | 1,750,000 |
| Noninterest income | 52,000 | 94,000 | 125,000 | 189,000 |
| Noninterest expense | 380,000 | 768,000 | 1,177,000 | 1,539,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 40,000 | 144,000 | 215,000 | 328,000 |
| Income tax | 8,000 | 18,000 | 59,000 | 95,000 |
| Net income | 32,000 | 126,000 | 156,000 | 233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,688,000 | 3,782,000 | 3,803,000 | 3,884,000 |
| Total capital | 3,965,000 | 4,075,000 | 4,061,000 | 4,164,000 |
| Risk-weighted assets | 28,949,000 | 30,829,000 | 31,394,000 | 31,096,000 |