Call reports 2006
CONESTOGA BANK — 2006
What CONESTOGA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 547,861,000 | 555,403,000 | 557,082,000 | 572,222,000 |
| Total loans | 380,967,000 | 403,991,000 | 423,401,000 | 439,138,000 |
| Allowance for loan losses | 3,385,000 | 3,537,000 | 3,603,000 | 3,720,000 |
| Securities available for sale | 119,800,000 | 112,697,000 | 91,976,000 | 86,593,000 |
| Securities held to maturity | 1,298,000 | 1,139,000 | 1,095,000 | 914,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 503,609,000 | 512,337,000 | 507,813,000 | 526,264,000 |
| Interest-bearing deposits | 458,728,000 | 470,673,000 | 466,440,000 | 483,141,000 |
| Noninterest-bearing deposits | 44,881,000 | 41,664,000 | 41,373,000 | 43,123,000 |
| Equity capital | 40,971,000 | 39,118,000 | 40,216,000 | 42,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,384,000 | 16,557,000 | 25,432,000 | 34,868,000 |
| Interest expense | 3,579,000 | 7,358,000 | 11,582,000 | 16,238,000 |
| Net interest income | 4,805,000 | 9,199,000 | 13,850,000 | 18,630,000 |
| Noninterest income | 556,000 | 1,131,000 | 1,644,000 | 2,271,000 |
| Noninterest expense | 4,218,000 | 8,673,000 | 13,220,000 | 17,804,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 1,008,000 | 1,405,000 | 1,887,000 | 2,517,000 |
| Income tax | 253,000 | 253,000 | 253,000 | -565,000 |
| Net income | 755,000 | 1,152,000 | 1,634,000 | 3,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,603,000 | 40,994,000 | 41,487,000 | 42,928,000 |
| Total capital | 45,988,000 | 44,531,000 | 45,090,000 | 46,648,000 |
| Risk-weighted assets | 382,656,000 | 394,959,000 | 414,778,000 | 426,389,000 |