Call reports 2015
CONSERVATION FIRST BANK — 2015
What CONSERVATION FIRST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 63,180,000 | 60,876,000 | 62,045,000 | 63,775,000 |
| Total loans | 51,364,000 | 51,259,000 | 53,957,000 | 53,357,000 |
| Allowance for loan losses | 460,000 | 476,000 | 498,000 | 466,000 |
| Securities available for sale | 2,622,000 | 3,161,000 | 2,523,000 | 2,514,000 |
| Securities held to maturity | 693,000 | 683,000 | 672,000 | 665,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,372,000 | 52,094,000 | 51,415,000 | 54,528,000 |
| Interest-bearing deposits | 46,124,000 | 44,136,000 | 43,488,000 | 44,532,000 |
| Noninterest-bearing deposits | 8,248,000 | 7,958,000 | 7,927,000 | 9,996,000 |
| Equity capital | 4,816,000 | 4,795,000 | 4,840,000 | 4,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,650,000 | 2,476,000 | 3,332,000 |
| Interest expense | 182,000 | 356,000 | 518,000 | 681,000 |
| Net interest income | 667,000 | 1,294,000 | 1,958,000 | 2,651,000 |
| Noninterest income | 77,000 | 175,000 | 235,000 | 313,000 |
| Noninterest expense | 587,000 | 1,170,000 | 1,741,000 | 2,378,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 136,000 | 257,000 | 389,000 | 502,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 136,000 | 257,000 | 389,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,079,000 | 4,846,000 | 4,828,000 | 4,903,000 |
| Total capital | 5,539,000 | 5,322,000 | 5,326,000 | 5,369,000 |
| Risk-weighted assets | 48,628,000 | 43,108,000 | 44,872,000 | 46,802,000 |