Call reports 2010
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2010
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 237,814,000 | 250,319,000 | 264,390,000 | 272,887,000 |
| Total loans | 162,981,000 | 166,047,000 | 173,458,000 | 170,789,000 |
| Allowance for loan losses | 2,109,000 | 2,171,000 | 2,143,000 | 2,519,000 |
| Securities available for sale | 55,461,000 | 56,505,000 | 67,148,000 | 76,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,382,000 | 221,993,000 | 235,057,000 | 246,271,000 |
| Interest-bearing deposits | 187,912,000 | 199,027,000 | 210,224,000 | 220,617,000 |
| Noninterest-bearing deposits | 22,470,000 | 22,966,000 | 24,833,000 | 25,654,000 |
| Equity capital | 23,391,000 | 24,083,000 | 24,648,000 | 23,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,735,000 | 5,622,000 | 8,502,000 | 11,494,000 |
| Interest expense | 741,000 | 1,476,000 | 2,209,000 | 2,961,000 |
| Net interest income | 1,994,000 | 4,146,000 | 6,293,000 | 8,533,000 |
| Noninterest income | 442,000 | 1,069,000 | 1,615,000 | 2,194,000 |
| Noninterest expense | 1,742,000 | 3,479,000 | 5,259,000 | 7,100,000 |
| Provision for loan losses | 60,000 | 133,000 | 256,000 | 876,000 |
| Pretax income | 634,000 | 1,729,000 | 2,519,000 | 2,877,000 |
| Income tax | 167,000 | 631,000 | 875,000 | 854,000 |
| Net income | 467,000 | 1,098,000 | 1,644,000 | 2,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,655,000 | 23,136,000 | 23,532,000 | 23,760,000 |
| Total capital | 24,764,000 | 25,307,000 | 25,675,000 | 26,215,000 |
| Risk-weighted assets | 175,433,000 | 185,478,000 | 194,043,000 | 196,391,000 |