Call reports 2009
1ST CONSTITUTION BANK — 2009
What 1ST CONSTITUTION BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 585,848,000 | 617,401,000 | 666,594,000 | 676,811,000 |
| Total loans | 422,366,000 | 428,663,000 | 392,510,000 | 401,461,000 |
| Allowance for loan losses | 4,130,000 | 4,209,000 | 4,112,000 | 4,505,000 |
| Securities available for sale | 80,419,000 | 87,319,000 | 131,583,000 | 202,669,000 |
| Securities held to maturity | 37,131,000 | 35,400,000 | 36,139,000 | 23,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 474,669,000 | 505,792,000 | 556,209,000 | 572,201,000 |
| Interest-bearing deposits | 400,927,000 | 419,014,000 | 480,809,000 | 489,728,000 |
| Noninterest-bearing deposits | 73,742,000 | 86,778,000 | 75,400,000 | 82,473,000 |
| Equity capital | 72,911,000 | 73,279,000 | 74,354,000 | 73,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,414,000 | 15,003,000 | 22,472,000 | 30,135,000 |
| Interest expense | 2,948,000 | 5,753,000 | 8,600,000 | 11,183,000 |
| Net interest income | 4,466,000 | 9,250,000 | 13,872,000 | 18,952,000 |
| Noninterest income | 1,006,000 | 2,255,000 | 3,525,000 | 4,857,000 |
| Noninterest expense | 4,179,000 | 9,276,000 | 13,664,000 | 18,242,000 |
| Provision for loan losses | 463,000 | 788,000 | 1,293,000 | 2,553,000 |
| Pretax income | 830,000 | 1,441,000 | 2,440,000 | 3,789,000 |
| Income tax | 177,000 | 78,000 | 278,000 | 522,000 |
| Net income | 653,000 | 1,363,000 | 2,162,000 | 3,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,851,000 | 72,365,000 | 72,857,000 | 73,585,000 |
| Total capital | 75,981,000 | 76,574,000 | 76,969,000 | 78,090,000 |
| Risk-weighted assets | 461,160,000 | 461,735,000 | 429,098,000 | 458,183,000 |