Call reports 2013
CONSERVATION FIRST BANK — 2013
What CONSERVATION FIRST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 55,104,000 | 53,452,000 | 58,349,000 | 61,206,000 |
| Total loans | 45,315,000 | 45,753,000 | 49,909,000 | 51,355,000 |
| Allowance for loan losses | 386,000 | 410,000 | 439,000 | 423,000 |
| Securities available for sale | 2,690,000 | 2,590,000 | 2,566,000 | 2,413,000 |
| Securities held to maturity | 1,008,000 | 838,000 | 1,114,000 | 1,048,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,162,000 | 45,560,000 | 47,752,000 | 52,379,000 |
| Interest-bearing deposits | 41,440,000 | 39,510,000 | 41,511,000 | 44,352,000 |
| Noninterest-bearing deposits | 5,722,000 | 6,050,000 | 6,241,000 | 8,027,000 |
| Equity capital | 4,427,000 | 4,362,000 | 4,464,000 | 4,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 750,000 | 1,521,000 | 2,322,000 | 3,155,000 |
| Interest expense | 170,000 | 340,000 | 519,000 | 711,000 |
| Net interest income | 580,000 | 1,181,000 | 1,803,000 | 2,444,000 |
| Noninterest income | 102,000 | 214,000 | 332,000 | 452,000 |
| Noninterest expense | 555,000 | 1,114,000 | 1,686,000 | 2,234,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 106,000 | 239,000 | 386,000 | 578,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 106,000 | 239,000 | 386,000 | 578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,418,000 | 4,441,000 | 4,569,000 | 4,696,000 |
| Total capital | 4,804,000 | 4,851,000 | 5,008,000 | 5,119,000 |
| Risk-weighted assets | 41,551,000 | 41,856,000 | 44,583,000 | 47,907,000 |