Call reports 2008
CONSERVATION FIRST BANK — 2008
What CONSERVATION FIRST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 45,833,000 | 45,097,000 | 44,972,000 | 45,134,000 |
| Total loans | 35,794,000 | 36,411,000 | 35,846,000 | 35,917,000 |
| Allowance for loan losses | 222,000 | 246,000 | 269,000 | 290,000 |
| Securities available for sale | 1,322,000 | 1,060,000 | 954,000 | 695,000 |
| Securities held to maturity | 3,008,000 | 2,979,000 | 3,374,000 | 2,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,848,000 | 37,041,000 | 36,154,000 | 37,290,000 |
| Interest-bearing deposits | 33,965,000 | 32,905,000 | 31,871,000 | 32,526,000 |
| Noninterest-bearing deposits | 3,883,000 | 4,136,000 | 4,284,000 | 4,764,000 |
| Equity capital | 3,813,000 | 3,864,000 | 3,910,000 | 3,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 807,000 | 1,583,000 | 2,376,000 | 3,139,000 |
| Interest expense | 363,000 | 692,000 | 1,009,000 | 1,298,000 |
| Net interest income | 444,000 | 891,000 | 1,367,000 | 1,841,000 |
| Noninterest income | 37,000 | 91,000 | 148,000 | 194,000 |
| Noninterest expense | 412,000 | 814,000 | 1,254,000 | 1,689,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 51,000 | 132,000 | 207,000 | 274,000 |
| Income tax | 2,000 | 4,000 | 11,000 | 11,000 |
| Net income | 49,000 | 128,000 | 196,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,813,000 | 3,864,000 | 3,910,000 | 3,987,000 |
| Total capital | 4,035,000 | 4,110,000 | 4,179,000 | 4,277,000 |
| Risk-weighted assets | 29,768,000 | 30,117,000 | 30,511,000 | 31,672,000 |