Conestoga Bank in Chester Springs, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Conestoga Bank - Overview

  • General
  • FDIC Certificate #: 27013
    Status: Active
    Federal Reserve ID: 833271
    Bank Holding Company (Regulatory Top Holder): Conestoga Bancorp, Inc (RSSDID: 3449431, Location: Chester Springs, PA)
    Date Established: July 22, 1987
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 9217
    FDIC's unique #: 36455
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 22, 1987
    Last Structure Change Effective Date: May 12, 2007
    Last Structure Change Process Date: May 31, 2007
    Last Data Update: May 31, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 165 Pottstown Pike, Chester Springs, PA 19425
    County: Chester
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Change in Location
    Name Change
  • Financial Summary
  • Total assets: $600.2 mil
    Equity capital: $51.3 mil
    Deposits held in domestic offices: $478.9 mil
    Return on assets (ROA): 0.33% ($2.0 mil)
    Quarterly return on assets: 0.27% ($1.6 mil)
    Return on Equity (ROE): 3.91% ($2.0 mil)
    Quarterly return on equity: 3.11% ($1.6 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.46% ($2,760.9 mil)
    Quarterly Pretax return on assets: 0.41% ($2,460.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 144Total employees (full-time equivalent)
  • $600,200Total assets
  • $14,056Cash and due from depository institutions
  • $6,113Interest-bearing balances
  • $151,765Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $374,263Net loans & leases
  • $5,728Loan loss allowance
  • $0Trading account assets
  • $8,945Bank premises and fixed assets
  • $8,615Other real estate owned
  • $873Goodwill and other intangibles
  • $600,200Life insurance assets
  • $41,683All other assets
  • $548,883Total liabilities and capital
  • $478,928Total liabilities
  • $434,433Total deposits
  • $478,928Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 2750.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $64,500Trading liabilities
  • $0Other borrowed funds
  • $2,705Subordinated debt
  • $51,317All other liabilities
  • $51,317Total equity capital
  • $51,317Total bank equity capital
  • $0Perpetual preferred stock
  • $9,900Common stock
  • $95,269Surplus
  • $-53,852Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,327Income earned, not collected on loans
  • $0Earning assets
  • $2,768Long-term assets (5+ years)
  • $532,141Average Assets, year-to-date
  • $160,948Average Assets, quarterly
  • $589,446Volatile liabilities
  • $599,593Insider loans
  • $501,548FHLB advances
  • $591,137Loans and leases held for sale
  • $16,005Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $54,561Tier 2 risk-based capital
  • $16,005Total risk weighted assets
  • $0Total unused commitments
  • $24,985Restructured Loans and leases
  • $1,577Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,698Total interest income
  • $7,163Total interest expense
  • $19,535Net interest income
  • $1,200Provision for loan and lease losses
  • $2,748Total noninterest income
  • $0Fiduciary activities
  • $916Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,832Additional noninterest income
  • $19,022Total noninterest expense
  • $10,078Salaries and employee benefits
  • $2,958Premises and equipment expense
  • $5,986Additional noninterest expense
  • $2,061Pre-tax net operating income
  • $632Securities gains (losses)
  • $764Applicable income taxes
  • $1,929Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,929Net income attributable to bank
  • $0Net charge-offs
  • $1,929Cash dividends
  • $1,472Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 1.38%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 3.66%Noninterest expense to earning assets
  • 0.25%Net operating income to assets
  • 0.33%Return on assets (ROA)
  • 0.46%Pretax return on assets
  • 3.91%Return on equity (ROE)
  • 3.91%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • 81.52%Credit loss provision to net charge-offs
  • 2.22%Efficiency ratio
  • 83,768Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 68.79%Noncurrent assets plus other real estate owned to assets
  • 2.82%Noncurrent loans to loans
  • 2.19%Net loans and leases to deposits
  • 78.15%Net loans and leases to core deposits
  • 89.70%Equity capital to assets
  • 8.55%Core capital (leverage) ratio
  • 9.23%Tier 1 risk-based capital ratio
  • 10.88%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $589,446Average earning assets
  • $49,357Average equity
  • $519,809Average loans

List of branches

  • 14 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    036455Conestoga Bank165 Pottstown Pike, Chester Springs, PA 19425July 22, 1987Full Service Brick and Mortar
    242866Walnut Street Branch1632 Walnut Street, Philadelphia, PA 19102November 01, 1938Full Service Brick and Mortar
    32783922444 South Broad St Branch2444 South Broad St, Philadelphia, PA 19145November 01, 1938Full Service Brick and Mortar
    427839321st & Passyunk Avenue Branch21st & Passyunk Avenue, Philadelphia, PA 19145November 01, 1938Full Service Brick and Mortar
    54331910th & Catharine Sts Branch10th & Catharine Sts, Philadelphia, PA 19147January 01, 1920Full Service Brick and Mortar
    62783941833 E Passyunk Branch1833 E Passyunk, Philadelphia, PA 19148November 01, 1938Full Service Brick and Mortar
    727839612 W. Glenside Ave. Branch12 W. Glenside Ave., Glenside, PA 19038June 30, 1986Full Service Brick and Mortar
    862047Feasterville213 West Street Road, Feasterville, PA 19053January 01, 1975Full Service Brick and Mortar
    9290850Media Branch606 East Baltimore Pike, Media, PA 19063January 01, 1975Full Service Brick and Mortar
    102908512301 Market Street Branch2301 Market Street, Philadelphia, PA 19101January 01, 1975Full Service Brick and Mortar
    12356677500 Chesterbrook Boulevard Branch500 Chesterbrook Boulevard, Wayne, PA 19087July 01, 1998Full Service Brick and Mortar
    13442300Chinatown Branch1032 Arch Street, Philadelphia, PA 19107May 12, 2005Full Service Brick and Mortar
    15463374Conestoga-First Penn Branch11 Penn Center, 1835 Market St., Suite 2601, Philadelphia, PA 19103May 12, 2007Full Service Brick and Mortar
    16493003Blue Bell Branch640 Skippack Pike, Blue Bell, PA 19422September 04, 2008Full Service Brick and Mortar

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