Call reports 2003
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2003
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 215,433,000 | 214,590,000 | 206,566,000 | 199,776,000 |
| Total loans | 139,739,000 | 143,446,000 | 146,615,000 | 145,971,000 |
| Allowance for loan losses | 2,044,000 | 2,239,000 | 2,350,000 | 2,417,000 |
| Securities available for sale | 56,306,000 | 50,065,000 | 43,605,000 | 42,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,700,000 | 175,920,000 | 174,803,000 | 171,447,000 |
| Interest-bearing deposits | 156,638,000 | 154,839,000 | 154,463,000 | 149,295,000 |
| Noninterest-bearing deposits | 21,062,000 | 21,081,000 | 20,340,000 | 22,152,000 |
| Equity capital | 18,797,000 | 19,154,000 | 19,037,000 | 18,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,868,000 | 5,714,000 | 8,400,000 | 10,774,000 |
| Interest expense | 1,014,000 | 1,980,000 | 2,756,000 | 3,660,000 |
| Net interest income | 1,854,000 | 3,734,000 | 5,644,000 | 7,114,000 |
| Noninterest income | 421,000 | 813,000 | 1,168,000 | 1,484,000 |
| Noninterest expense | 1,534,000 | 3,081,000 | 4,672,000 | 6,240,000 |
| Provision for loan losses | 180,000 | 350,000 | 500,000 | 650,000 |
| Pretax income | 561,000 | 1,116,000 | 1,640,000 | 1,708,000 |
| Income tax | 260,000 | 435,000 | 597,000 | 615,000 |
| Net income | 301,000 | 681,000 | 1,043,000 | 1,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,976,000 | 18,369,000 | 18,531,000 | 18,581,000 |
| Total capital | 19,849,000 | 20,264,000 | 20,446,000 | 20,471,000 |
| Risk-weighted assets | 149,664,000 | 151,218,000 | 152,797,000 | 150,654,000 |