Call reports 2004
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2004
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 199,496,000 | 194,581,000 | 193,788,000 | 196,919,000 |
| Total loans | 143,159,000 | 140,773,000 | 136,823,000 | 130,581,000 |
| Allowance for loan losses | 2,546,000 | 2,588,000 | 2,514,000 | 2,339,000 |
| Securities available for sale | 36,603,000 | 40,561,000 | 34,633,000 | 52,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,562,000 | 168,599,000 | 167,818,000 | 170,706,000 |
| Interest-bearing deposits | 151,061,000 | 146,690,000 | 147,352,000 | 148,623,000 |
| Noninterest-bearing deposits | 22,501,000 | 21,909,000 | 20,466,000 | 22,083,000 |
| Equity capital | 18,959,000 | 18,908,000 | 19,103,000 | 18,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,364,000 | 4,728,000 | 7,021,000 | 9,303,000 |
| Interest expense | 570,000 | 1,128,000 | 1,717,000 | 2,402,000 |
| Net interest income | 1,794,000 | 3,600,000 | 5,304,000 | 6,901,000 |
| Noninterest income | 289,000 | 631,000 | 983,000 | 1,281,000 |
| Noninterest expense | 1,571,000 | 3,141,000 | 4,726,000 | 6,312,000 |
| Provision for loan losses | 130,000 | 210,000 | 250,000 | 250,000 |
| Pretax income | 382,000 | 880,000 | 1,311,000 | 1,620,000 |
| Income tax | 92,000 | 244,000 | 401,000 | 506,000 |
| Net income | 290,000 | 636,000 | 910,000 | 1,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,671,000 | 19,016,000 | 19,091,000 | 18,695,000 |
| Total capital | 20,527,000 | 20,839,000 | 20,864,000 | 20,435,000 |
| Risk-weighted assets | 147,787,000 | 145,043,000 | 141,102,000 | 138,562,000 |