Call reports 2005
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2005
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 196,746,000 | 167,171,000 | 168,189,000 | 166,557,000 |
| Total loans | 122,646,000 | 110,184,000 | 110,613,000 | 109,977,000 |
| Allowance for loan losses | 2,314,000 | 2,321,000 | 2,324,000 | 2,250,000 |
| Securities available for sale | 44,002,000 | 43,963,000 | 44,133,000 | 44,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,221,000 | 140,317,000 | 148,487,000 | 146,285,000 |
| Interest-bearing deposits | 148,819,000 | 122,199,000 | 131,729,000 | 128,587,000 |
| Noninterest-bearing deposits | 22,402,000 | 18,118,000 | 16,758,000 | 17,698,000 |
| Equity capital | 18,504,000 | 20,710,000 | 18,676,000 | 18,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,292,000 | 4,368,000 | 6,500,000 | 8,721,000 |
| Interest expense | 768,000 | 1,508,000 | 2,287,000 | 3,168,000 |
| Net interest income | 1,524,000 | 2,860,000 | 4,213,000 | 5,553,000 |
| Noninterest income | 298,000 | 3,351,000 | 3,622,000 | 3,909,000 |
| Noninterest expense | 1,474,000 | 2,911,000 | 4,260,000 | 5,587,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 354,000 | 3,307,000 | 3,582,000 | 3,693,000 |
| Income tax | 112,000 | 1,111,000 | 1,185,000 | 1,200,000 |
| Net income | 242,000 | 2,196,000 | 2,397,000 | 2,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,937,000 | 20,891,000 | 19,092,000 | 18,788,000 |
| Total capital | 20,594,000 | 22,391,000 | 20,599,000 | 20,272,000 |
| Risk-weighted assets | 131,912,000 | 119,211,000 | 119,783,000 | 117,940,000 |