Call reports 2004
CONESTOGA BANK — 2004
What CONESTOGA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 486,729,000 | 499,433,000 | 540,606,000 | 529,447,000 |
| Total loans | 293,810,000 | 317,403,000 | 342,141,000 | 359,944,000 |
| Allowance for loan losses | 3,079,000 | 2,974,000 | 3,031,000 | 3,157,000 |
| Securities available for sale | 95,443,000 | 90,540,000 | 88,837,000 | 94,112,000 |
| Securities held to maturity | 736,000 | 676,000 | 1,732,000 | 1,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,578,000 | 458,791,000 | 499,020,000 | 487,876,000 |
| Interest-bearing deposits | 410,021,000 | 420,307,000 | 456,396,000 | 453,233,000 |
| Noninterest-bearing deposits | 35,557,000 | 38,484,000 | 42,624,000 | 34,643,000 |
| Equity capital | 38,683,000 | 37,967,000 | 39,059,000 | 39,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,049,000 | 12,695,000 | 19,105,000 | 27,255,000 |
| Interest expense | 1,806,000 | 3,783,000 | 6,109,000 | 8,558,000 |
| Net interest income | 4,243,000 | 8,912,000 | 12,996,000 | 18,697,000 |
| Noninterest income | 504,000 | 993,000 | 1,443,000 | 1,882,000 |
| Noninterest expense | 3,732,000 | 8,014,000 | 12,109,000 | 16,771,000 |
| Provision for loan losses | 0 | 0 | 90,000 | 235,000 |
| Pretax income | 1,015,000 | 1,891,000 | 2,240,000 | 3,573,000 |
| Income tax | 238,000 | 463,000 | 463,000 | 1,039,000 |
| Net income | 777,000 | 1,428,000 | 1,777,000 | 2,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,173,000 | 38,804,000 | 39,173,000 | 39,938,000 |
| Total capital | 41,252,000 | 41,778,000 | 42,204,000 | 43,095,000 |
| Risk-weighted assets | 299,318,000 | 314,982,000 | 334,597,000 | 349,124,000 |