Call reports 2007
1ST CONSTITUTION BANK — 2007
What 1ST CONSTITUTION BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 421,520,000 | 428,199,000 | 430,143,000 | 428,884,000 |
| Total loans | 280,685,000 | 294,514,000 | 299,834,000 | 305,083,000 |
| Allowance for loan losses | 3,348,000 | 3,310,000 | 3,318,000 | 3,348,000 |
| Securities available for sale | 78,789,000 | 80,109,000 | 78,026,000 | 73,299,000 |
| Securities held to maturity | 26,578,000 | 26,528,000 | 26,112,000 | 23,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,924,000 | 327,541,000 | 334,208,000 | 329,911,000 |
| Interest-bearing deposits | 287,489,000 | 268,287,000 | 276,534,000 | 270,855,000 |
| Noninterest-bearing deposits | 60,435,000 | 59,254,000 | 57,675,000 | 59,056,000 |
| Equity capital | 51,999,000 | 52,800,000 | 55,352,000 | 56,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,390,000 | 14,835,000 | 22,662,000 | 30,352,000 |
| Interest expense | 2,511,000 | 5,294,000 | 8,283,000 | 11,166,000 |
| Net interest income | 4,879,000 | 9,541,000 | 14,379,000 | 19,186,000 |
| Noninterest income | 732,000 | 1,472,000 | 2,229,000 | 2,984,000 |
| Noninterest expense | 3,102,000 | 6,015,000 | 9,084,000 | 12,516,000 |
| Provision for loan losses | 40,000 | 70,000 | 100,000 | 130,000 |
| Pretax income | 2,469,000 | 4,928,000 | 7,424,000 | 9,524,000 |
| Income tax | 766,000 | 1,486,000 | 2,243,000 | 3,095,000 |
| Net income | 1,703,000 | 3,442,000 | 5,181,000 | 6,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,058,000 | 53,612,000 | 55,568,000 | 56,614,000 |
| Total capital | 55,406,000 | 56,922,000 | 58,886,000 | 59,962,000 |
| Risk-weighted assets | 320,371,000 | 338,107,000 | 336,707,000 | 349,606,000 |
Machine access — free, no API key
Every figure shown here about 1ST CONSTITUTION BANK — 2007 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.