Call reports 2012
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2012
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 309,333,000 | 321,846,000 | 321,540,000 | 326,601,000 |
| Total loans | 191,152,000 | 197,387,000 | 208,284,000 | 216,028,000 |
| Allowance for loan losses | 2,908,000 | 2,925,000 | 3,027,000 | 2,936,000 |
| Securities available for sale | 94,231,000 | 94,851,000 | 95,331,000 | 86,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,940,000 | 292,849,000 | 285,576,000 | 296,368,000 |
| Interest-bearing deposits | 251,415,000 | 264,663,000 | 257,877,000 | 263,630,000 |
| Noninterest-bearing deposits | 29,525,000 | 28,186,000 | 27,699,000 | 32,738,000 |
| Equity capital | 27,071,000 | 27,646,000 | 28,589,000 | 28,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,036,000 | 6,043,000 | 9,078,000 | 12,054,000 |
| Interest expense | 558,000 | 1,074,000 | 1,560,000 | 2,014,000 |
| Net interest income | 2,478,000 | 4,969,000 | 7,518,000 | 10,040,000 |
| Noninterest income | 629,000 | 1,173,000 | 1,855,000 | 2,591,000 |
| Noninterest expense | 1,852,000 | 3,768,000 | 5,622,000 | 7,567,000 |
| Provision for loan losses | 150,000 | 304,000 | 455,000 | 607,000 |
| Pretax income | 1,105,000 | 2,070,000 | 3,373,000 | 4,540,000 |
| Income tax | 320,000 | 600,000 | 1,020,000 | 1,483,000 |
| Net income | 785,000 | 1,470,000 | 2,353,000 | 3,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,796,000 | 26,322,000 | 27,044,000 | 27,587,000 |
| Total capital | 28,495,000 | 29,067,000 | 29,875,000 | 30,500,000 |
| Risk-weighted assets | 215,683,000 | 219,391,000 | 226,798,000 | 233,048,000 |