Call reports 2010
1ST CONSTITUTION BANK — 2010
What 1ST CONSTITUTION BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 638,960,000 | 713,897,000 | 691,663,000 | 644,348,000 |
| Total loans | 377,774,000 | 448,138,000 | 459,799,000 | 433,207,000 |
| Allowance for loan losses | 4,791,000 | 4,938,000 | 5,726,000 | 5,763,000 |
| Securities available for sale | 193,951,000 | 132,152,000 | 106,538,000 | 83,846,000 |
| Securities held to maturity | 22,118,000 | 91,063,000 | 85,836,000 | 81,890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 533,756,000 | 533,534,000 | 537,927,000 | 543,818,000 |
| Interest-bearing deposits | 445,698,000 | 445,583,000 | 446,321,000 | 451,794,000 |
| Noninterest-bearing deposits | 88,057,000 | 87,951,000 | 91,605,000 | 92,023,000 |
| Equity capital | 74,820,000 | 75,857,000 | 76,678,000 | 65,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,851,000 | 13,925,000 | 21,615,000 | 29,299,000 |
| Interest expense | 2,147,000 | 4,106,000 | 5,984,000 | 7,748,000 |
| Net interest income | 4,704,000 | 9,819,000 | 15,631,000 | 21,551,000 |
| Noninterest income | 1,182,000 | 2,401,000 | 3,836,000 | 5,548,000 |
| Noninterest expense | 4,368,000 | 8,859,000 | 13,669,000 | 19,130,000 |
| Provision for loan losses | 300,000 | 850,000 | 1,725,000 | 2,325,000 |
| Pretax income | 1,218,000 | 2,511,000 | 4,073,000 | 5,644,000 |
| Income tax | 345,000 | 666,000 | 1,169,000 | 1,631,000 |
| Net income | 873,000 | 1,845,000 | 2,904,000 | 4,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,115,000 | 74,718,000 | 75,433,000 | 64,321,000 |
| Total capital | 78,906,000 | 79,656,000 | 81,159,000 | 70,084,000 |
| Risk-weighted assets | 434,311,000 | 505,391,000 | 517,881,000 | 503,410,000 |