Call reports 2004
1ST CONSTITUTION BANK — 2004
What 1ST CONSTITUTION BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 294,740,000 | 325,174,000 | 329,791,000 | 335,737,000 |
| Total loans | 178,047,000 | 204,106,000 | 209,330,000 | 220,581,000 |
| Allowance for loan losses | 1,847,000 | 1,907,000 | 1,945,000 | 2,005,000 |
| Securities available for sale | 91,270,000 | 95,181,000 | 89,024,000 | 84,214,000 |
| Securities held to maturity | 6,060,000 | 5,958,000 | 8,791,000 | 12,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,900,000 | 252,999,000 | 277,914,000 | 276,887,000 |
| Interest-bearing deposits | 197,237,000 | 205,446,000 | 225,063,000 | 226,092,000 |
| Noninterest-bearing deposits | 46,663,000 | 47,553,000 | 52,851,000 | 50,795,000 |
| Equity capital | 29,571,000 | 28,666,000 | 30,772,000 | 31,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,988,000 | 8,032,000 | 12,436,000 | 17,016,000 |
| Interest expense | 971,000 | 1,977,000 | 3,124,000 | 4,282,000 |
| Net interest income | 3,017,000 | 6,055,000 | 9,312,000 | 12,734,000 |
| Noninterest income | 609,000 | 1,355,000 | 2,085,000 | 3,029,000 |
| Noninterest expense | 2,208,000 | 4,489,000 | 6,945,000 | 9,457,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,358,000 | 2,801,000 | 4,299,000 | 6,093,000 |
| Income tax | 437,000 | 904,000 | 1,399,000 | 2,067,000 |
| Net income | 921,000 | 1,897,000 | 2,900,000 | 4,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,003,000 | 29,725,000 | 30,655,000 | 31,561,000 |
| Total capital | 30,850,000 | 31,632,000 | 32,600,000 | 33,566,000 |
| Risk-weighted assets | 202,739,000 | 227,664,000 | 228,062,000 | 242,175,000 |
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