Call reports 2005
CONESTOGA BANK — 2005
What CONESTOGA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 533,678,000 | 538,779,000 | 559,735,000 | 556,645,000 |
| Total loans | 356,429,000 | 357,503,000 | 362,240,000 | 372,736,000 |
| Allowance for loan losses | 3,201,000 | 3,193,000 | 3,250,000 | 3,300,000 |
| Securities available for sale | 89,619,000 | 95,566,000 | 126,989,000 | 123,994,000 |
| Securities held to maturity | 1,510,000 | 1,479,000 | 1,350,000 | 1,325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,135,000 | 495,504,000 | 516,617,000 | 513,267,000 |
| Interest-bearing deposits | 450,923,000 | 450,775,000 | 476,162,000 | 466,323,000 |
| Noninterest-bearing deposits | 40,212,000 | 44,729,000 | 40,455,000 | 46,944,000 |
| Equity capital | 39,359,000 | 40,328,000 | 40,135,000 | 40,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,142,000 | 14,472,000 | 22,207,000 | 30,123,000 |
| Interest expense | 2,515,000 | 5,245,000 | 8,594,000 | 12,018,000 |
| Net interest income | 4,627,000 | 9,227,000 | 13,613,000 | 18,105,000 |
| Noninterest income | 517,000 | 1,127,000 | 1,687,000 | 2,355,000 |
| Noninterest expense | 4,325,000 | 8,911,000 | 13,805,000 | 17,919,000 |
| Provision for loan losses | 135,000 | 225,000 | 270,000 | 405,000 |
| Pretax income | 1,104,000 | 1,638,000 | 1,662,000 | 2,573,000 |
| Income tax | 247,000 | 357,000 | 328,000 | 612,000 |
| Net income | 857,000 | 1,281,000 | 1,334,000 | 1,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,768,000 | 41,190,000 | 41,235,000 | 41,885,000 |
| Total capital | 43,969,000 | 44,383,000 | 44,485,000 | 45,185,000 |
| Risk-weighted assets | 352,487,000 | 355,404,000 | 364,163,000 | 377,761,000 |