Call reports 2012
CONSERVATION FIRST BANK — 2012
What CONSERVATION FIRST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 53,714,000 | 53,482,000 | 54,881,000 | 57,221,000 |
| Total loans | 44,965,000 | 45,657,000 | 46,542,000 | 46,151,000 |
| Allowance for loan losses | 396,000 | 379,000 | 367,000 | 400,000 |
| Securities available for sale | 1,285,000 | 1,252,000 | 1,548,000 | 2,246,000 |
| Securities held to maturity | 1,857,000 | 1,617,000 | 1,608,000 | 1,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,551,000 | 45,160,000 | 47,468,000 | 49,498,000 |
| Interest-bearing deposits | 39,785,000 | 38,215,000 | 40,681,000 | 40,423,000 |
| Noninterest-bearing deposits | 6,766,000 | 6,945,000 | 6,787,000 | 9,075,000 |
| Equity capital | 4,332,000 | 4,380,000 | 4,255,000 | 4,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 827,000 | 1,667,000 | 2,466,000 | 3,214,000 |
| Interest expense | 218,000 | 451,000 | 640,000 | 832,000 |
| Net interest income | 609,000 | 1,216,000 | 1,826,000 | 2,382,000 |
| Noninterest income | 68,000 | 165,000 | 258,000 | 462,000 |
| Noninterest expense | 585,000 | 1,135,000 | 1,716,000 | 2,256,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 88,000 |
| Pretax income | 71,000 | 204,000 | 305,000 | 500,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 71,000 | 204,000 | 305,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,334,000 | 4,383,000 | 4,239,000 | 4,403,000 |
| Total capital | 4,730,000 | 4,762,000 | 4,606,000 | 4,803,000 |
| Risk-weighted assets | 39,976,000 | 40,576,000 | 42,825,000 | 43,958,000 |