Call reports 2002
CONESTOGA BANK — 2002
What CONESTOGA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 481,699,000 | 487,205,000 | 485,182,000 | 494,121,000 |
| Total loans | 315,856,000 | 322,486,000 | 322,169,000 | 311,103,000 |
| Allowance for loan losses | 2,952,000 | 2,811,000 | 2,773,000 | 3,603,000 |
| Securities available for sale | 64,843,000 | 61,605,000 | 57,546,000 | 49,600,000 |
| Securities held to maturity | 7,068,000 | 6,847,000 | 6,668,000 | 6,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,793,000 | 436,373,000 | 432,662,000 | 452,469,000 |
| Interest-bearing deposits | 394,669,000 | 407,536,000 | 395,875,000 | 411,486,000 |
| Noninterest-bearing deposits | 37,124,000 | 28,837,000 | 36,787,000 | 40,983,000 |
| Equity capital | 33,996,000 | 35,542,000 | 36,694,000 | 36,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,516,000 | 15,492,000 | 22,978,000 | 30,745,000 |
| Interest expense | 3,523,000 | 7,005,000 | 10,308,000 | 13,408,000 |
| Net interest income | 3,993,000 | 8,487,000 | 12,670,000 | 17,337,000 |
| Noninterest income | 1,089,000 | 1,715,000 | 2,482,000 | 3,087,000 |
| Noninterest expense | 3,872,000 | 7,815,000 | 11,687,000 | 15,824,000 |
| Provision for loan losses | 304,000 | 462,000 | 597,000 | 1,437,000 |
| Pretax income | 906,000 | 1,925,000 | 2,868,000 | 3,163,000 |
| Income tax | 326,000 | 606,000 | 902,000 | 957,000 |
| Net income | 1,371,000 | 2,110,000 | 2,757,000 | 2,997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,941,000 | 34,689,000 | 35,337,000 | 35,579,000 |
| Total capital | 36,893,000 | 37,502,000 | 38,115,000 | 39,188,000 |
| Risk-weighted assets | 305,394,000 | 321,209,000 | 312,139,000 | 310,831,000 |