Call reports 2012
1ST CONSTITUTION BANK — 2012
What 1ST CONSTITUTION BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 749,599,000 | 777,499,000 | 796,158,000 | 840,968,000 |
| Total loans | 456,019,000 | 496,391,000 | 519,740,000 | 557,774,000 |
| Allowance for loan losses | 5,882,000 | 6,257,000 | 6,693,000 | 7,151,000 |
| Securities available for sale | 90,280,000 | 95,829,000 | 94,217,000 | 107,363,000 |
| Securities held to maturity | 130,659,000 | 122,992,000 | 123,399,000 | 116,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 659,124,000 | 669,534,000 | 661,361,000 | 707,961,000 |
| Interest-bearing deposits | 541,764,000 | 539,711,000 | 528,117,000 | 555,626,000 |
| Noninterest-bearing deposits | 117,360,000 | 129,823,000 | 133,244,000 | 152,335,000 |
| Equity capital | 71,563,000 | 72,957,000 | 75,092,000 | 80,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,035,000 | 15,941,000 | 24,427,000 | 32,836,000 |
| Interest expense | 1,305,000 | 2,488,000 | 3,635,000 | 4,767,000 |
| Net interest income | 6,730,000 | 13,453,000 | 20,792,000 | 28,069,000 |
| Noninterest income | 1,515,000 | 3,028,000 | 4,667,000 | 6,262,000 |
| Noninterest expense | 5,963,000 | 11,661,000 | 18,167,000 | 24,741,000 |
| Provision for loan losses | 600,000 | 1,150,000 | 1,650,000 | 2,150,000 |
| Pretax income | 1,682,000 | 3,670,000 | 5,642,000 | 7,753,000 |
| Income tax | 451,000 | 1,077,000 | 1,632,000 | 2,440,000 |
| Net income | 1,231,000 | 2,593,000 | 4,010,000 | 5,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,990,000 | 66,449,000 | 67,283,000 | 71,443,000 |
| Total capital | 70,872,000 | 72,706,000 | 73,976,000 | 78,594,000 |
| Risk-weighted assets | 544,554,000 | 603,659,000 | 595,718,000 | 627,232,000 |