Call reports 2007
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2007
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 190,806,000 | 196,461,000 | 191,057,000 | 202,881,000 |
| Total loans | 117,805,000 | 125,866,000 | 127,471,000 | 129,424,000 |
| Allowance for loan losses | 2,235,000 | 2,239,000 | 2,238,000 | 2,241,000 |
| Securities available for sale | 53,427,000 | 52,693,000 | 48,752,000 | 51,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,818,000 | 172,739,000 | 166,174,000 | 180,804,000 |
| Interest-bearing deposits | 154,793,000 | 155,056,000 | 149,240,000 | 164,920,000 |
| Noninterest-bearing deposits | 16,025,000 | 17,683,000 | 16,934,000 | 15,884,000 |
| Equity capital | 18,938,000 | 18,340,000 | 19,357,000 | 19,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,838,000 | 5,818,000 | 8,828,000 | 11,848,000 |
| Interest expense | 1,391,000 | 2,837,000 | 4,291,000 | 5,757,000 |
| Net interest income | 1,447,000 | 2,981,000 | 4,537,000 | 6,091,000 |
| Noninterest income | 346,000 | 739,000 | 1,415,000 | 1,795,000 |
| Noninterest expense | 1,371,000 | 2,788,000 | 4,163,000 | 5,578,000 |
| Provision for loan losses | 0 | 1,000 | 3,000 | 10,000 |
| Pretax income | 422,000 | 931,000 | 1,786,000 | 2,298,000 |
| Income tax | 109,000 | 260,000 | 542,000 | 682,000 |
| Net income | 313,000 | 671,000 | 1,244,000 | 1,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,113,000 | 18,876,000 | 19,450,000 | 19,022,000 |
| Total capital | 20,778,000 | 20,630,000 | 21,202,000 | 20,850,000 |
| Risk-weighted assets | 132,608,000 | 139,862,000 | 139,645,000 | 145,794,000 |