Call reports 2011
CONSERVATION FIRST BANK — 2011
What CONSERVATION FIRST BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 49,842,000 | 51,367,000 | 51,115,000 | 53,183,000 |
| Total loans | 38,934,000 | 41,271,000 | 43,319,000 | 45,216,000 |
| Allowance for loan losses | 268,000 | 304,000 | 345,000 | 368,000 |
| Securities available for sale | 2,181,000 | 2,178,000 | 1,482,000 | 1,037,000 |
| Securities held to maturity | 1,074,000 | 1,013,000 | 1,465,000 | 2,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,207,000 | 44,729,000 | 44,069,000 | 45,916,000 |
| Interest-bearing deposits | 37,673,000 | 37,889,000 | 38,276,000 | 39,228,000 |
| Noninterest-bearing deposits | 5,534,000 | 6,840,000 | 5,793,000 | 6,688,000 |
| Equity capital | 4,147,000 | 4,218,000 | 4,200,000 | 4,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 701,000 | 1,484,000 | 2,277,000 | 3,082,000 |
| Interest expense | 227,000 | 425,000 | 650,000 | 870,000 |
| Net interest income | 474,000 | 1,059,000 | 1,627,000 | 2,212,000 |
| Noninterest income | 81,000 | 144,000 | 205,000 | 269,000 |
| Noninterest expense | 455,000 | 994,000 | 1,522,000 | 1,987,000 |
| Provision for loan losses | 41,000 | 72,000 | 109,000 | 130,000 |
| Pretax income | 59,000 | 137,000 | 201,000 | 364,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 59,000 | 137,000 | 201,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,201,000 | 4,234,000 | 4,215,000 | 4,311,000 |
| Total capital | 4,469,000 | 4,538,000 | 4,560,000 | 4,679,000 |
| Risk-weighted assets | 36,507,000 | 38,065,000 | 38,237,000 | 40,992,000 |