Call reports 2007
CONESTOGA BANK — 2007
What CONESTOGA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 557,175,000 | 637,605,000 | 629,652,000 | 686,309,000 |
| Total loans | 420,695,000 | 416,413,000 | 416,037,000 | 402,927,000 |
| Allowance for loan losses | 5,773,000 | 6,105,000 | 6,234,000 | 6,174,000 |
| Securities available for sale | 75,855,000 | 116,867,000 | 106,500,000 | 170,631,000 |
| Securities held to maturity | 773,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 519,030,000 | 505,459,000 | 474,073,000 | 432,614,000 |
| Interest-bearing deposits | 472,799,000 | 461,809,000 | 435,233,000 | 396,479,000 |
| Noninterest-bearing deposits | 46,231,000 | 43,650,000 | 38,840,000 | 36,135,000 |
| Equity capital | 27,113,000 | 98,710,000 | 99,802,000 | 100,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,863,000 | 10,101,000 | 19,928,000 | 29,879,000 |
| Interest expense | 4,747,000 | 4,612,000 | 9,478,000 | 14,405,000 |
| Net interest income | 4,116,000 | 5,489,000 | 10,450,000 | 15,474,000 |
| Noninterest income | 602,000 | 640,000 | 1,309,000 | 1,868,000 |
| Noninterest expense | 17,718,000 | 4,712,000 | 8,345,000 | 12,128,000 |
| Provision for loan losses | 2,085,000 | 281,000 | 488,000 | 656,000 |
| Pretax income | -15,085,000 | 1,135,000 | 2,942,000 | 4,582,000 |
| Income tax | 45,000 | -41,000 | 541,000 | 967,000 |
| Net income | -15,130,000 | 1,176,000 | 2,401,000 | 3,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,800,000 | 42,066,000 | 42,550,000 | 42,939,000 |
| Total capital | 32,918,000 | 47,421,000 | 47,977,000 | 48,418,000 |
| Risk-weighted assets | 408,781,000 | 426,922,000 | 432,563,000 | 436,864,000 |