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Conestoga Bank

Chester Springs, PA · Cert 58332

FDIC

Q1 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2007, the quarter ended March 31, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Conestoga Bank

Chester Springs, PA · Cert 58332

FDIC

Q1 2007

$115.4MAssets
$11.0MLoans
$101.9MDeposits
$13.3MEquity
Deposit mix
15%Interest-bearing $14.9M85%Noninterest $87.0MQ3 2006Q1 2007

NIM

1.63%Q3 ’061.95%Q4 ’065.41%Q1 ’07+12%+176%

Non-interest income vs. expense

8.59%Q3 ’065.23%Q4 ’067.62%Q1 ’07-40%+41%

Executive Summary

  • Earnings: ROA of -2.18%; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Funding: loans stand at 10.77% of deposits as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-2.18%

Net Interest Margin (YTD, annualized)

3.28%

Efficiency Ratio (YTD, annualized)

210%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets-4.62%-3.73%-2.18%n/a
Return on Equityn/an/a-12.12%n/an/a
Net Interest Margin1.06%1.19%3.28%n/a
Efficiency Ratio807%413%210%n/a
Non-Interest Burden8.58%5.15%7.27%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%n/a
Net Charge-Offs / Loans0.00%0.00%0.00%n/a
Allowance / Loans2.55%1.36%1.82%n/a
Allowance Coverage of NPLsn/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/a
Total Risk-Based Capital183.55%93.67%41.34%n/a
Equity / Assets53.20%39.24%11.55%n/a
Liquidity & Funding
Loans / Deposits16.29%43.81%10.77%n/a
Liquid Assets / Assets0.56%0.86%79.23%n/a
CRE / Total Capitaln/an/an/an/an/a