Call reports 2011
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2011
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 285,146,000 | 307,218,000 | 310,434,000 | 310,441,000 |
| Total loans | 167,221,000 | 175,989,000 | 183,222,000 | 194,631,000 |
| Allowance for loan losses | 2,725,000 | 2,890,000 | 2,963,000 | 2,729,000 |
| Securities available for sale | 93,750,000 | 108,680,000 | 102,965,000 | 92,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,275,000 | 278,788,000 | 281,609,000 | 281,298,000 |
| Interest-bearing deposits | 232,938,000 | 252,830,000 | 254,630,000 | 250,654,000 |
| Noninterest-bearing deposits | 25,337,000 | 25,958,000 | 26,979,000 | 30,644,000 |
| Equity capital | 24,195,000 | 25,489,000 | 26,285,000 | 26,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,848,000 | 5,863,000 | 9,018,000 | 12,195,000 |
| Interest expense | 703,000 | 1,402,000 | 2,077,000 | 2,709,000 |
| Net interest income | 2,145,000 | 4,461,000 | 6,941,000 | 9,486,000 |
| Noninterest income | 390,000 | 867,000 | 1,237,000 | 1,601,000 |
| Noninterest expense | 1,871,000 | 3,731,000 | 5,561,000 | 7,380,000 |
| Provision for loan losses | 180,000 | 343,000 | 464,000 | 785,000 |
| Pretax income | 484,000 | 1,255,000 | 2,154,000 | 2,994,000 |
| Income tax | 104,000 | 301,000 | 538,000 | 865,000 |
| Net income | 380,000 | 954,000 | 1,616,000 | 2,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,991,000 | 24,287,000 | 24,805,000 | 25,171,000 |
| Total capital | 26,480,000 | 26,963,000 | 27,554,000 | 27,900,000 |
| Risk-weighted assets | 198,901,000 | 213,855,000 | 219,668,000 | 227,452,000 |