Call reports 2013
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2013
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 337,497,000 | 336,117,000 | 340,896,000 | 339,264,000 |
| Total loans | 209,341,000 | 206,376,000 | 208,432,000 | 215,080,000 |
| Allowance for loan losses | 2,476,000 | 2,614,000 | 2,671,000 | 2,937,000 |
| Securities available for sale | 98,946,000 | 109,117,000 | 110,009,000 | 92,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,061,000 | 307,359,000 | 311,973,000 | 310,095,000 |
| Interest-bearing deposits | 210,542,000 | 211,738,000 | 214,413,000 | 210,841,000 |
| Noninterest-bearing deposits | 96,519,000 | 95,621,000 | 97,560,000 | 99,254,000 |
| Equity capital | 29,138,000 | 27,829,000 | 28,078,000 | 28,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,820,000 | 5,654,000 | 8,518,000 | 11,415,000 |
| Interest expense | 420,000 | 826,000 | 1,205,000 | 1,570,000 |
| Net interest income | 2,400,000 | 4,828,000 | 7,313,000 | 9,845,000 |
| Noninterest income | 531,000 | 1,064,000 | 1,489,000 | 1,627,000 |
| Noninterest expense | 1,917,000 | 3,804,000 | 5,808,000 | 7,737,000 |
| Provision for loan losses | 302,000 | 627,000 | 1,003,000 | 1,379,000 |
| Pretax income | 712,000 | 1,461,000 | 2,048,000 | 2,331,000 |
| Income tax | 242,000 | 496,000 | 689,000 | 604,000 |
| Net income | 470,000 | 965,000 | 1,359,000 | 1,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,887,000 | 28,211,000 | 28,435,000 | 28,808,000 |
| Total capital | 30,363,000 | 30,825,000 | 31,106,000 | 31,745,000 |
| Risk-weighted assets | 231,244,000 | 227,995,000 | 231,997,000 | 237,524,000 |