Call reports 2016
CONSERVATION FIRST BANK — 2016
What CONSERVATION FIRST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 62,209,000 | 60,958,000 | 63,491,000 | 63,489,000 |
| Total loans | 54,163,000 | 53,875,000 | 54,550,000 | 53,228,000 |
| Allowance for loan losses | 503,000 | 540,000 | 515,000 | 537,000 |
| Securities available for sale | 2,479,000 | 2,532,000 | 2,687,000 | 2,863,000 |
| Securities held to maturity | 559,000 | 553,000 | 497,000 | 493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,897,000 | 51,465,000 | 54,650,000 | 54,724,000 |
| Interest-bearing deposits | 44,926,000 | 43,857,000 | 44,679,000 | 44,143,000 |
| Noninterest-bearing deposits | 7,971,000 | 7,608,000 | 9,971,000 | 10,581,000 |
| Equity capital | 4,938,000 | 5,079,000 | 5,181,000 | 5,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 836,000 | 1,673,000 | 2,509,000 | 3,350,000 |
| Interest expense | 163,000 | 320,000 | 475,000 | 626,000 |
| Net interest income | 673,000 | 1,353,000 | 2,034,000 | 2,724,000 |
| Noninterest income | 76,000 | 184,000 | 300,000 | 420,000 |
| Noninterest expense | 598,000 | 1,227,000 | 1,838,000 | 2,483,000 |
| Provision for loan losses | 76,000 | 109,000 | 130,000 | 151,000 |
| Pretax income | 75,000 | 201,000 | 366,000 | 510,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 75,000 | 201,000 | 366,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,924,000 | 5,048,000 | 5,183,000 | 5,263,000 |
| Total capital | 5,427,000 | 5,588,000 | 5,698,000 | 5,800,000 |
| Risk-weighted assets | 46,271,000 | 43,781,000 | 46,183,000 | 49,429,000 |