Call reports 2005
1ST CONSTITUTION BANK — 2005
What 1ST CONSTITUTION BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 334,157,000 | 347,047,000 | 355,968,000 | 372,424,000 |
| Total loans | 220,100,000 | 236,232,000 | 238,428,000 | 256,772,000 |
| Allowance for loan losses | 2,065,000 | 2,191,000 | 2,266,000 | 2,361,000 |
| Securities available for sale | 78,425,000 | 71,587,000 | 70,079,000 | 67,707,000 |
| Securities held to maturity | 16,282,000 | 16,225,000 | 21,720,000 | 21,758,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,936,000 | 278,852,000 | 294,853,000 | 305,810,000 |
| Interest-bearing deposits | 225,319,000 | 218,300,000 | 236,505,000 | 243,122,000 |
| Noninterest-bearing deposits | 50,617,000 | 60,552,000 | 58,348,000 | 62,688,000 |
| Equity capital | 31,667,000 | 32,227,000 | 33,507,000 | 34,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,821,000 | 9,857,000 | 15,375,000 | 21,328,000 |
| Interest expense | 1,205,000 | 2,525,000 | 4,027,000 | 5,677,000 |
| Net interest income | 3,616,000 | 7,332,000 | 11,348,000 | 15,651,000 |
| Noninterest income | 702,000 | 1,598,000 | 2,484,000 | 3,305,000 |
| Noninterest expense | 2,642,000 | 5,342,000 | 8,305,000 | 11,242,000 |
| Provision for loan losses | 60,000 | 195,000 | 280,000 | 405,000 |
| Pretax income | 1,616,000 | 3,393,000 | 5,247,000 | 7,037,000 |
| Income tax | 517,000 | 1,103,000 | 1,705,000 | 2,232,000 |
| Net income | 1,099,000 | 2,290,000 | 3,542,000 | 4,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,453,000 | 32,580,000 | 33,960,000 | 35,132,000 |
| Total capital | 34,518,000 | 34,771,000 | 36,226,000 | 37,493,000 |
| Risk-weighted assets | 249,506,000 | 255,634,000 | 265,693,000 | 285,213,000 |
Machine access — free, no API key
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