Call reports 2015
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2015
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 341,401,000 | 351,106,000 | 339,035,000 | 333,575,000 |
| Total loans | 224,813,000 | 220,834,000 | 228,270,000 | 237,346,000 |
| Allowance for loan losses | 3,086,000 | 3,226,000 | 3,672,000 | 3,563,000 |
| Securities available for sale | 85,261,000 | 95,634,000 | 87,405,000 | 72,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,081,000 | 319,040,000 | 306,283,000 | 300,266,000 |
| Interest-bearing deposits | 206,717,000 | 208,425,000 | 208,873,000 | 198,640,000 |
| Noninterest-bearing deposits | 102,364,000 | 110,615,000 | 97,410,000 | 101,626,000 |
| Equity capital | 31,337,000 | 31,375,000 | 32,150,000 | 32,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,743,000 | 5,538,000 | 8,363,000 | 11,228,000 |
| Interest expense | 310,000 | 624,000 | 946,000 | 1,256,000 |
| Net interest income | 2,433,000 | 4,914,000 | 7,417,000 | 9,972,000 |
| Noninterest income | 420,000 | 873,000 | 1,342,000 | 1,792,000 |
| Noninterest expense | 1,853,000 | 3,721,000 | 5,586,000 | 7,557,000 |
| Provision for loan losses | 120,000 | 260,000 | 370,000 | 460,000 |
| Pretax income | 880,000 | 1,806,000 | 2,811,000 | 3,686,000 |
| Income tax | 299,000 | 614,000 | 956,000 | 1,176,000 |
| Net income | 581,000 | 1,192,000 | 1,855,000 | 2,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,822,000 | 31,260,000 | 31,750,000 | 32,232,000 |
| Total capital | 33,908,000 | 34,378,000 | 34,920,000 | 35,477,000 |
| Risk-weighted assets | 248,995,000 | 249,344,000 | 253,109,000 | 259,328,000 |