Call reports 2009
CONSERVATION FIRST BANK — 2009
What CONSERVATION FIRST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 43,997,000 | 44,726,000 | 45,815,000 | 45,780,000 |
| Total loans | 35,614,000 | 35,733,000 | 37,070,000 | 36,796,000 |
| Allowance for loan losses | 315,000 | 329,000 | 328,000 | 335,000 |
| Securities available for sale | 886,000 | 1,578,000 | 1,361,000 | 1,715,000 |
| Securities held to maturity | 2,165,000 | 1,360,000 | 1,085,000 | 1,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,009,000 | 36,891,000 | 38,276,000 | 38,457,000 |
| Interest-bearing deposits | 32,009,000 | 32,632,000 | 33,163,000 | 32,123,000 |
| Noninterest-bearing deposits | 4,000,000 | 4,259,000 | 5,113,000 | 6,334,000 |
| Equity capital | 3,999,000 | 4,032,000 | 4,119,000 | 4,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 701,000 | 1,432,000 | 2,164,000 | 2,879,000 |
| Interest expense | 271,000 | 536,000 | 782,000 | 1,011,000 |
| Net interest income | 430,000 | 896,000 | 1,382,000 | 1,868,000 |
| Noninterest income | 62,000 | 133,000 | 198,000 | 353,000 |
| Noninterest expense | 426,000 | 853,000 | 1,297,000 | 1,813,000 |
| Provision for loan losses | 20,000 | 41,000 | 62,000 | 123,000 |
| Pretax income | 46,000 | 135,000 | 221,000 | 285,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 9,000 |
| Net income | 44,000 | 130,000 | 214,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,001,000 | 4,039,000 | 4,104,000 | 4,121,000 |
| Total capital | 4,316,000 | 4,368,000 | 4,432,000 | 4,456,000 |
| Risk-weighted assets | 28,538,000 | 30,520,000 | 30,915,000 | 31,533,000 |
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