Call reports 2020
CONSERVATION FIRST BANK — 2020
What CONSERVATION FIRST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 63,548,000 | 69,733,000 | 70,463,000 | 70,843,000 |
| Total loans | 54,411,000 | 60,090,000 | 57,438,000 | 60,403,000 |
| Allowance for loan losses | 773,000 | 786,000 | 812,000 | 836,000 |
| Securities available for sale | 910,000 | 341,000 | 566,000 | 1,295,000 |
| Securities held to maturity | 365,000 | 363,000 | 361,000 | 358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,009,000 | 58,902,000 | 59,399,000 | 59,816,000 |
| Interest-bearing deposits | 45,346,000 | 45,859,000 | 46,062,000 | 46,187,000 |
| Noninterest-bearing deposits | 9,664,000 | 13,043,000 | 13,338,000 | 13,629,000 |
| Equity capital | 6,056,000 | 6,291,000 | 6,475,000 | 6,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,773,000 | 2,604,000 | 3,410,000 |
| Interest expense | 171,000 | 324,000 | 477,000 | 605,000 |
| Net interest income | 653,000 | 1,449,000 | 2,127,000 | 2,805,000 |
| Noninterest income | 92,000 | 295,000 | 443,000 | 706,000 |
| Noninterest expense | 682,000 | 1,340,000 | 1,897,000 | 2,539,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 42,000 | 362,000 | 610,000 | 888,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 42,000 | 362,000 | 610,000 | 888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,056,000 | 6,291,000 | 6,475,000 | 6,600,000 |