Call reports 2003
CONESTOGA BANK — 2003
What CONESTOGA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 498,693,000 | 485,846,000 | 474,191,000 | 467,376,000 |
| Total loans | 305,025,000 | 278,000,000 | 280,620,000 | 292,323,000 |
| Allowance for loan losses | 3,493,000 | 3,426,000 | 3,204,000 | 3,069,000 |
| Securities available for sale | 44,782,000 | 54,974,000 | 97,087,000 | 102,886,000 |
| Securities held to maturity | 1,128,000 | 11,031,000 | 847,000 | 775,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,526,000 | 446,354,000 | 435,155,000 | 426,029,000 |
| Interest-bearing deposits | 425,119,000 | 412,730,000 | 399,962,000 | 388,999,000 |
| Noninterest-bearing deposits | 34,407,000 | 33,624,000 | 35,193,000 | 37,030,000 |
| Equity capital | 37,022,000 | 37,165,000 | 36,516,000 | 37,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,744,000 | 13,545,000 | 19,655,000 | 26,917,000 |
| Interest expense | 2,998,000 | 5,555,000 | 7,702,000 | 9,660,000 |
| Net interest income | 3,746,000 | 7,990,000 | 11,953,000 | 17,257,000 |
| Noninterest income | 496,000 | 1,028,000 | 1,546,000 | 2,089,000 |
| Noninterest expense | 3,572,000 | 7,474,000 | 11,368,000 | 16,224,000 |
| Provision for loan losses | 0 | 45,000 | 45,000 | 45,000 |
| Pretax income | 670,000 | 1,499,000 | 2,086,000 | 3,077,000 |
| Income tax | 205,000 | 507,000 | 728,000 | 1,024,000 |
| Net income | 465,000 | 992,000 | 1,358,000 | 2,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,812,000 | 36,323,000 | 36,699,000 | 37,394,000 |
| Total capital | 39,308,000 | 39,751,000 | 39,903,000 | 40,463,000 |
| Risk-weighted assets | 313,923,000 | 302,519,000 | 297,263,000 | 300,301,000 |