Call reports 2001
1ST CONSTITUTION BANK — 2001
What 1ST CONSTITUTION BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 207,152,000 | 222,429,000 | 221,211,000 | 223,758,000 |
| Total loans | 122,040,000 | 127,635,000 | 128,245,000 | 132,671,000 |
| Allowance for loan losses | 1,194,000 | 1,254,000 | 1,315,000 | 1,414,000 |
| Securities available for sale | 53,049,000 | 59,316,000 | 59,220,000 | 60,765,000 |
| Securities held to maturity | 8,286,000 | 9,620,000 | 6,247,000 | 6,035,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,264,000 | 168,523,000 | 163,660,000 | 168,570,000 |
| Interest-bearing deposits | 118,821,000 | 138,298,000 | 131,552,000 | 135,936,000 |
| Noninterest-bearing deposits | 33,443,000 | 30,225,000 | 32,108,000 | 32,634,000 |
| Equity capital | 15,879,000 | 16,381,000 | 17,432,000 | 17,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,635,000 | 7,419,000 | 11,188,000 | 14,796,000 |
| Interest expense | 1,677,000 | 3,488,000 | 5,187,000 | 6,741,000 |
| Net interest income | 1,958,000 | 3,931,000 | 6,001,000 | 8,055,000 |
| Noninterest income | 279,000 | 608,000 | 1,018,000 | 1,505,000 |
| Noninterest expense | 1,419,000 | 2,834,000 | 4,347,000 | 5,871,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 300,000 |
| Pretax income | 758,000 | 1,585,000 | 2,492,000 | 3,389,000 |
| Income tax | 278,000 | 574,000 | 903,000 | 1,237,000 |
| Net income | 480,000 | 1,011,000 | 1,589,000 | 2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,831,000 | 16,332,000 | 16,912,000 | 17,476,000 |
| Total capital | 17,025,000 | 17,586,000 | 18,227,000 | 18,890,000 |
| Risk-weighted assets | 144,182,000 | 140,141,000 | 144,332,000 | 147,348,000 |