Call reports 2002
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2002
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 225,122,000 | 224,907,000 | 224,091,000 | 220,540,000 |
| Total loans | 136,834,000 | 137,338,000 | 140,012,000 | 140,190,000 |
| Allowance for loan losses | 1,770,000 | 2,010,000 | 2,104,000 | 1,994,000 |
| Securities available for sale | 63,551,000 | 67,969,000 | 66,082,000 | 59,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,406,000 | 187,956,000 | 186,132,000 | 181,993,000 |
| Interest-bearing deposits | 170,372,000 | 167,561,000 | 166,759,000 | 162,056,000 |
| Noninterest-bearing deposits | 18,034,000 | 20,395,000 | 19,373,000 | 19,937,000 |
| Equity capital | 17,165,000 | 17,844,000 | 18,356,000 | 18,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,374,000 | 6,583,000 | 9,779,000 | 12,828,000 |
| Interest expense | 1,497,000 | 2,893,000 | 4,197,000 | 5,385,000 |
| Net interest income | 1,877,000 | 3,690,000 | 5,582,000 | 7,443,000 |
| Noninterest income | 376,000 | 728,000 | 1,108,000 | 1,479,000 |
| Noninterest expense | 1,421,000 | 2,896,000 | 4,401,000 | 5,882,000 |
| Provision for loan losses | 180,000 | 700,000 | 880,000 | 1,060,000 |
| Pretax income | 657,000 | 825,000 | 1,414,000 | 1,985,000 |
| Income tax | 229,000 | 279,000 | 443,000 | 646,000 |
| Net income | 428,000 | 546,000 | 971,000 | 1,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,178,000 | 17,295,000 | 17,521,000 | 17,858,000 |
| Total capital | 18,948,000 | 19,173,000 | 19,415,000 | 19,749,000 |
| Risk-weighted assets | 152,984,000 | 150,130,000 | 151,293,000 | 151,166,000 |