Call reports 2014
CONSERVATION FIRST BANK — 2014
What CONSERVATION FIRST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 60,013,000 | 60,432,000 | 61,384,000 | 62,702,000 |
| Total loans | 52,025,000 | 51,811,000 | 52,541,000 | 54,104,000 |
| Allowance for loan losses | 490,000 | 510,000 | 534,000 | 466,000 |
| Securities available for sale | 2,499,000 | 2,282,000 | 1,891,000 | 2,153,000 |
| Securities held to maturity | 1,355,000 | 1,137,000 | 1,177,000 | 702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,366,000 | 51,446,000 | 52,357,000 | 53,619,000 |
| Interest-bearing deposits | 43,739,000 | 44,514,000 | 45,173,000 | 45,284,000 |
| Noninterest-bearing deposits | 6,626,000 | 6,932,000 | 7,184,000 | 8,335,000 |
| Equity capital | 4,566,000 | 4,667,000 | 4,713,000 | 4,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 815,000 | 1,657,000 | 2,517,000 | 3,397,000 |
| Interest expense | 193,000 | 390,000 | 597,000 | 782,000 |
| Net interest income | 622,000 | 1,267,000 | 1,920,000 | 2,615,000 |
| Noninterest income | 75,000 | 194,000 | 284,000 | 356,000 |
| Noninterest expense | 564,000 | 1,125,000 | 1,759,000 | 2,346,000 |
| Provision for loan losses | 76,000 | 97,000 | 118,000 | 139,000 |
| Pretax income | 57,000 | 239,000 | 327,000 | 486,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 57,000 | 239,000 | 327,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,634,000 | 4,702,000 | 4,740,000 | 4,818,000 |
| Total capital | 5,124,000 | 5,212,000 | 5,274,000 | 5,284,000 |
| Risk-weighted assets | 46,815,000 | 46,460,000 | 46,720,000 | 47,633,000 |