Call reports 2019
CONSERVATION FIRST BANK — 2019
What CONSERVATION FIRST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 65,668,000 | 65,368,000 | 65,469,000 | 64,245,000 |
| Total loans | 54,672,000 | 54,596,000 | 54,532,000 | 54,478,000 |
| Allowance for loan losses | 859,000 | 852,000 | 854,000 | 749,000 |
| Securities available for sale | 2,321,000 | 2,343,000 | 2,356,000 | 1,852,000 |
| Securities held to maturity | 100,000 | 445,000 | 443,000 | 441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,426,000 | 56,131,000 | 56,195,000 | 55,348,000 |
| Interest-bearing deposits | 47,648,000 | 46,718,000 | 47,243,000 | 45,548,000 |
| Noninterest-bearing deposits | 8,778,000 | 9,412,000 | 8,952,000 | 9,800,000 |
| Equity capital | 5,902,000 | 5,896,000 | 5,900,000 | 6,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 810,000 | 1,683,000 | 2,559,000 | 3,434,000 |
| Interest expense | 191,000 | 394,000 | 600,000 | 772,000 |
| Net interest income | 619,000 | 1,289,000 | 1,959,000 | 2,662,000 |
| Noninterest income | 86,000 | 172,000 | 278,000 | 399,000 |
| Noninterest expense | 642,000 | 1,323,000 | 2,006,000 | 2,606,000 |
| Provision for loan losses | 21,000 | 21,000 | 21,000 | 21,000 |
| Pretax income | 42,000 | 117,000 | 210,000 | 434,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 42,000 | 117,000 | 210,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,937,000 | 5,911,000 | 5,900,000 | 6,120,000 |
| Total capital | 6,597,000 | 6,590,000 | 6,546,000 | 6,785,000 |
| Risk-weighted assets | 52,610,000 | 54,169,000 | 51,356,000 | 53,093,000 |