Call reports 2009
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2009
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 224,004,000 | 227,404,000 | 235,378,000 | 233,622,000 |
| Total loans | 154,870,000 | 152,042,000 | 159,876,000 | 157,278,000 |
| Allowance for loan losses | 2,157,000 | 2,138,000 | 2,799,000 | 2,261,000 |
| Securities available for sale | 52,576,000 | 57,591,000 | 61,529,000 | 56,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,049,000 | 204,199,000 | 211,379,000 | 209,632,000 |
| Interest-bearing deposits | 178,718,000 | 181,669,000 | 190,226,000 | 187,247,000 |
| Noninterest-bearing deposits | 22,331,000 | 22,530,000 | 21,153,000 | 22,385,000 |
| Equity capital | 21,628,000 | 22,232,000 | 23,117,000 | 23,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,960,000 | 5,929,000 | 8,811,000 | 11,684,000 |
| Interest expense | 1,003,000 | 1,926,000 | 2,792,000 | 3,615,000 |
| Net interest income | 1,957,000 | 4,003,000 | 6,019,000 | 8,069,000 |
| Noninterest income | 684,000 | 1,447,000 | 1,933,000 | 2,473,000 |
| Noninterest expense | 1,626,000 | 3,504,000 | 5,264,000 | 7,238,000 |
| Provision for loan losses | 3,000 | 24,000 | 730,000 | 1,073,000 |
| Pretax income | 1,020,000 | 1,780,000 | 1,680,000 | 1,958,000 |
| Income tax | 360,000 | 617,000 | 416,000 | 515,000 |
| Net income | 660,000 | 1,163,000 | 1,264,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,554,000 | 22,058,000 | 22,159,000 | 22,338,000 |
| Total capital | 23,621,000 | 24,184,000 | 24,320,000 | 24,475,000 |
| Risk-weighted assets | 165,266,000 | 170,085,000 | 172,407,000 | 170,860,000 |