Call reports 2008
CONESTOGA BANK — 2008
What CONESTOGA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 680,814,000 | 728,210,000 | 715,111,000 | 703,332,000 |
| Total loans | 401,601,000 | 431,100,000 | 432,862,000 | 431,561,000 |
| Allowance for loan losses | 6,288,000 | 6,299,000 | 6,303,000 | 6,679,000 |
| Securities available for sale | 167,960,000 | 182,297,000 | 170,621,000 | 162,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,353,000 | 438,792,000 | 405,297,000 | 416,740,000 |
| Interest-bearing deposits | 410,359,000 | 400,447,000 | 374,045,000 | 384,302,000 |
| Noninterest-bearing deposits | 35,994,000 | 38,345,000 | 31,252,000 | 32,438,000 |
| Equity capital | 101,848,000 | 97,113,000 | 97,596,000 | 93,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 10,041,000 | 19,393,000 | 29,382,000 | 38,536,000 |
| Interest expense | 5,040,000 | 9,599,000 | 14,346,000 | 18,617,000 |
| Net interest income | 5,001,000 | 9,794,000 | 15,036,000 | 19,919,000 |
| Noninterest income | 554,000 | 1,178,000 | 1,815,000 | 2,412,000 |
| Noninterest expense | 3,809,000 | 7,634,000 | 11,601,000 | 15,809,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 925,000 |
| Pretax income | 1,660,000 | 3,280,000 | 5,116,000 | 6,005,000 |
| Income tax | 502,000 | 990,000 | 1,548,000 | 1,804,000 |
| Net income | 1,158,000 | 2,290,000 | 3,568,000 | 4,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,384,000 | 46,038,000 | 47,986,000 | 45,899,000 |
| Total capital | 49,829,000 | 51,935,000 | 53,799,000 | 51,644,000 |
| Risk-weighted assets | 433,986,000 | 471,203,000 | 464,512,000 | 458,703,000 |