Call reports 2023
CONSERVATION FIRST BANK — 2023
What CONSERVATION FIRST BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 80,763,000 | 82,298,000 | 83,144,000 | 83,883,000 |
| Total loans | 68,723,000 | 72,445,000 | 72,407,000 | 74,734,000 |
| Allowance for loan losses | 1,020,000 | 998,000 | 1,012,000 | 1,014,000 |
| Securities available for sale | 1,324,000 | 1,316,000 | 1,293,000 | 1,332,000 |
| Securities held to maturity | 624,000 | 623,000 | 624,000 | 623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,507,000 | 70,956,000 | 71,559,000 | 72,221,000 |
| Interest-bearing deposits | 52,463,000 | 53,486,000 | 53,968,000 | 55,390,000 |
| Noninterest-bearing deposits | 17,045,000 | 17,469,000 | 17,591,000 | 16,831,000 |
| Equity capital | 7,838,000 | 7,886,000 | 8,050,000 | 8,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,187,000 | 3,382,000 | 4,702,000 |
| Interest expense | 222,000 | 480,000 | 757,000 | 1,066,000 |
| Net interest income | 831,000 | 1,707,000 | 2,625,000 | 3,636,000 |
| Noninterest income | 78,000 | 203,000 | 321,000 | 436,000 |
| Noninterest expense | 690,000 | 1,527,000 | 2,328,000 | 3,132,000 |
| Provision for loan losses | 21,000 | 42,000 | 42,000 | 42,000 |
| Pretax income | 198,000 | 341,000 | 576,000 | 898,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 198,000 | 341,000 | 576,000 | 898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,019,000 | 8,069,000 | 8,251,000 | 8,438,000 |