Call reports 2006
1ST CONSTITUTION BANK — 2006
What 1ST CONSTITUTION BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 369,005,000 | 381,602,000 | 391,134,000 | 393,288,000 |
| Total loans | 263,783,000 | 277,471,000 | 278,481,000 | 278,750,000 |
| Allowance for loan losses | 2,534,000 | 2,693,000 | 2,793,000 | 3,228,000 |
| Securities available for sale | 61,949,000 | 63,103,000 | 70,219,000 | 69,368,000 |
| Securities held to maturity | 17,496,000 | 17,437,000 | 17,378,000 | 19,254,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,442,000 | 311,963,000 | 319,865,000 | 320,173,000 |
| Interest-bearing deposits | 227,680,000 | 247,578,000 | 256,402,000 | 255,868,000 |
| Noninterest-bearing deposits | 56,762,000 | 64,385,000 | 63,463,000 | 64,305,000 |
| Equity capital | 35,467,000 | 36,247,000 | 38,991,000 | 49,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,153,000 | 12,942,000 | 20,106,000 | 27,305,000 |
| Interest expense | 1,817,000 | 3,831,000 | 6,066,000 | 8,420,000 |
| Net interest income | 4,336,000 | 9,111,000 | 14,040,000 | 18,885,000 |
| Noninterest income | 800,000 | 1,464,000 | 2,274,000 | 2,983,000 |
| Noninterest expense | 3,153,000 | 6,342,000 | 9,530,000 | 12,294,000 |
| Provision for loan losses | 170,000 | 340,000 | 440,000 | 894,000 |
| Pretax income | 1,813,000 | 3,793,000 | 6,244,000 | 8,580,000 |
| Income tax | 488,000 | 1,000,000 | 1,787,000 | 3,109,000 |
| Net income | 1,325,000 | 2,793,000 | 4,457,000 | 5,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,495,000 | 37,769,000 | 39,637,000 | 50,689,000 |
| Total capital | 39,029,000 | 40,462,000 | 42,430,000 | 53,917,000 |
| Risk-weighted assets | 291,292,000 | 303,241,000 | 308,587,000 | 310,263,000 |
Machine access — free, no API key
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