Call reports 2006
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2006
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 167,193,000 | 170,339,000 | 179,012,000 | 187,587,000 |
| Total loans | 107,049,000 | 113,158,000 | 115,420,000 | 115,928,000 |
| Allowance for loan losses | 2,258,000 | 2,263,000 | 2,265,000 | 2,210,000 |
| Securities available for sale | 48,414,000 | 47,666,000 | 47,815,000 | 52,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,916,000 | 150,035,000 | 159,086,000 | 168,040,000 |
| Interest-bearing deposits | 131,974,000 | 131,592,000 | 143,931,000 | 152,636,000 |
| Noninterest-bearing deposits | 15,942,000 | 18,443,000 | 15,155,000 | 15,404,000 |
| Equity capital | 18,474,000 | 18,069,000 | 18,855,000 | 18,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,273,000 | 4,715,000 | 7,320,000 | 10,109,000 |
| Interest expense | 946,000 | 1,953,000 | 3,124,000 | 4,473,000 |
| Net interest income | 1,327,000 | 2,762,000 | 4,196,000 | 5,636,000 |
| Noninterest income | 306,000 | 630,000 | 977,000 | 1,316,000 |
| Noninterest expense | 1,319,000 | 2,684,000 | 4,083,000 | 5,514,000 |
| Provision for loan losses | 6,000 | 14,000 | 20,000 | 24,000 |
| Pretax income | 308,000 | 694,000 | 1,059,000 | 1,403,000 |
| Income tax | 81,000 | 192,000 | 286,000 | 391,000 |
| Net income | 227,000 | 502,000 | 773,000 | 1,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,015,000 | 18,840,000 | 19,111,000 | 18,800,000 |
| Total capital | 20,478,000 | 20,378,000 | 20,700,000 | 20,425,000 |
| Risk-weighted assets | 116,224,000 | 122,320,000 | 126,477,000 | 129,394,000 |