Call reports 2015
CONESTOGA BANK — 2015
What CONESTOGA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 696,781,000 | 719,013,000 | 721,818,000 | 706,289,000 |
| Total loans | 499,921,000 | 508,192,000 | 522,350,000 | 529,847,000 |
| Allowance for loan losses | 5,616,000 | 5,776,000 | 5,887,000 | 5,946,000 |
| Securities available for sale | 143,048,000 | 148,441,000 | 148,803,000 | 123,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 546,585,000 | 536,413,000 | 548,098,000 | 559,932,000 |
| Interest-bearing deposits | 436,971,000 | 426,435,000 | 443,915,000 | 430,556,000 |
| Noninterest-bearing deposits | 109,614,000 | 109,978,000 | 104,183,000 | 129,376,000 |
| Equity capital | 61,962,000 | 62,550,000 | 65,195,000 | 65,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,083,000 | 14,274,000 | 21,380,000 | 28,790,000 |
| Interest expense | 781,000 | 1,621,000 | 2,500,000 | 3,369,000 |
| Net interest income | 6,302,000 | 12,653,000 | 18,880,000 | 25,421,000 |
| Noninterest income | 445,000 | 1,071,000 | 2,198,000 | 2,962,000 |
| Noninterest expense | 5,280,000 | 10,344,000 | 15,570,000 | 20,769,000 |
| Provision for loan losses | 400,000 | 800,000 | 1,100,000 | 1,300,000 |
| Pretax income | 1,214,000 | 2,794,000 | 4,717,000 | 7,683,000 |
| Income tax | 422,000 | 979,000 | 986,000 | 1,981,000 |
| Net income | 792,000 | 1,815,000 | 3,731,000 | 5,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,541,000 | 61,564,000 | 63,480,000 | 65,426,000 |
| Total capital | 66,157,000 | 67,352,000 | 69,379,000 | 71,384,000 |
| Risk-weighted assets | 513,749,000 | 525,183,000 | 534,946,000 | 544,261,000 |