Call reports 2025
CONSERVATION FIRST BANK — 2025
What CONSERVATION FIRST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 105,990,000 | 109,761,000 | 115,799,000 | 118,960,000 |
| Total loans | 92,123,000 | 97,966,000 | 97,776,000 | 106,221,000 |
| Allowance for loan losses | 1,148,000 | 1,238,000 | 1,285,000 | 1,333,000 |
| Securities available for sale | 1,875,000 | 1,637,000 | 1,647,000 | 4,752,000 |
| Securities held to maturity | 874,000 | 872,000 | 873,000 | 872,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,404,000 | 87,539,000 | 93,330,000 | 96,162,000 |
| Interest-bearing deposits | 69,821,000 | 70,851,000 | 76,998,000 | 80,563,000 |
| Noninterest-bearing deposits | 15,583,000 | 16,688,000 | 16,332,000 | 15,599,000 |
| Equity capital | 12,859,000 | 14,501,000 | 15,063,000 | 15,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,766,000 | 3,573,000 | 5,457,000 | 7,515,000 |
| Interest expense | 556,000 | 1,121,000 | 1,741,000 | 2,403,000 |
| Net interest income | 1,210,000 | 2,452,000 | 3,716,000 | 5,112,000 |
| Noninterest income | 132,000 | 267,000 | 384,000 | 518,000 |
| Noninterest expense | 758,000 | 1,553,000 | 2,344,000 | 3,345,000 |
| Provision for loan losses | 45,000 | 135,000 | 180,000 | 225,000 |
| Pretax income | 540,000 | 1,026,000 | 1,570,000 | 2,051,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 540,000 | 1,026,000 | 1,570,000 | 2,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,954,000 | 14,580,000 | 15,130,000 | 15,585,000 |