Call reports 2015
1ST CONSTITUTION BANK — 2015
What 1ST CONSTITUTION BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,014,876,000 | 1,046,930,000 | 980,450,000 | 967,992,000 |
| Total loans | 718,902,000 | 767,736,000 | 715,106,000 | 688,117,000 |
| Allowance for loan losses | 7,364,000 | 7,351,000 | 7,132,000 | 7,560,000 |
| Securities available for sale | 79,546,000 | 74,050,000 | 70,976,000 | 91,422,000 |
| Securities held to maturity | 141,867,000 | 126,651,000 | 121,025,000 | 123,261,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 810,527,000 | 798,159,000 | 793,917,000 | 786,835,000 |
| Interest-bearing deposits | 650,593,000 | 637,130,000 | 623,662,000 | 626,917,000 |
| Noninterest-bearing deposits | 159,934,000 | 161,029,000 | 170,255,000 | 159,918,000 |
| Equity capital | 105,258,000 | 107,235,000 | 110,016,000 | 111,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,686,000 | 20,250,000 | 31,082,000 | 40,944,000 |
| Interest expense | 1,058,000 | 2,123,000 | 3,203,000 | 4,280,000 |
| Net interest income | 8,628,000 | 18,127,000 | 27,879,000 | 36,664,000 |
| Noninterest income | 1,884,000 | 3,119,000 | 4,221,000 | 5,309,000 |
| Noninterest expense | 6,610,000 | 13,830,000 | 20,886,000 | 27,792,000 |
| Provision for loan losses | 500,000 | 500,000 | 600,000 | 1,100,000 |
| Pretax income | 3,402,000 | 6,916,000 | 10,614,000 | 13,081,000 |
| Income tax | 1,085,000 | 2,226,000 | 3,404,000 | 4,184,000 |
| Net income | 2,317,000 | 4,690,000 | 7,210,000 | 8,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,543,000 | 95,191,000 | 97,693,000 | 99,631,000 |
| Total capital | 99,907,000 | 102,542,000 | 104,825,000 | 107,191,000 |
| Risk-weighted assets | 875,333,000 | 911,095,000 | 858,591,000 | 837,394,000 |