Call reports 2014
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2014
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 343,547,000 | 345,425,000 | 343,050,000 | 336,375,000 |
| Total loans | 210,668,000 | 219,294,000 | 224,648,000 | 228,778,000 |
| Allowance for loan losses | 3,102,000 | 3,223,000 | 3,153,000 | 3,231,000 |
| Securities available for sale | 100,668,000 | 101,898,000 | 87,078,000 | 79,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,536,000 | 314,702,000 | 312,120,000 | 304,749,000 |
| Interest-bearing deposits | 212,724,000 | 212,120,000 | 214,141,000 | 208,495,000 |
| Noninterest-bearing deposits | 100,812,000 | 102,582,000 | 97,979,000 | 96,254,000 |
| Equity capital | 28,946,000 | 29,846,000 | 30,188,000 | 30,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,774,000 | 5,604,000 | 8,453,000 | 11,283,000 |
| Interest expense | 342,000 | 673,000 | 1,013,000 | 1,340,000 |
| Net interest income | 2,432,000 | 4,931,000 | 7,440,000 | 9,943,000 |
| Noninterest income | 377,000 | 759,000 | 1,271,000 | 1,548,000 |
| Noninterest expense | 1,943,000 | 3,802,000 | 5,664,000 | 7,537,000 |
| Provision for loan losses | 154,000 | 291,000 | 396,000 | 503,000 |
| Pretax income | 776,000 | 1,661,000 | 2,705,000 | 3,301,000 |
| Income tax | 264,000 | 565,000 | 920,000 | 1,049,000 |
| Net income | 512,000 | 1,096,000 | 1,785,000 | 2,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,148,000 | 29,563,000 | 30,081,000 | 30,378,000 |
| Total capital | 32,109,000 | 32,609,000 | 33,178,000 | 33,510,000 |
| Risk-weighted assets | 236,705,000 | 243,527,000 | 247,704,000 | 250,448,000 |