Call reports 2019
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2019
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 355,568,000 | 352,697,000 | 360,656,000 | 369,667,000 |
| Total loans | 242,180,000 | 243,538,000 | 260,588,000 | 268,109,000 |
| Allowance for loan losses | 4,209,000 | 4,259,000 | 4,263,000 | 4,174,000 |
| Securities available for sale | 73,847,000 | 79,628,000 | 69,698,000 | 64,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,603,000 | 311,418,000 | 318,601,000 | 326,781,000 |
| Interest-bearing deposits | 215,928,000 | 213,513,000 | 220,682,000 | 224,604,000 |
| Noninterest-bearing deposits | 99,675,000 | 97,905,000 | 97,919,000 | 102,177,000 |
| Equity capital | 38,883,000 | 40,337,000 | 41,076,000 | 41,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,338,000 | 6,795,000 | 10,432,000 | 14,204,000 |
| Interest expense | 609,000 | 1,303,000 | 2,041,000 | 2,808,000 |
| Net interest income | 2,729,000 | 5,492,000 | 8,391,000 | 11,396,000 |
| Noninterest income | 418,000 | 892,000 | 1,427,000 | 1,946,000 |
| Noninterest expense | 2,073,000 | 4,162,000 | 6,172,000 | 8,335,000 |
| Provision for loan losses | 30,000 | 51,000 | 53,000 | 55,000 |
| Pretax income | 1,044,000 | 2,171,000 | 3,585,000 | 4,944,000 |
| Income tax | 302,000 | 628,000 | 1,039,000 | 1,269,000 |
| Net income | 742,000 | 1,543,000 | 2,546,000 | 3,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,680,000 | 39,257,000 | 40,036,000 | 40,938,000 |
| Total capital | 42,097,000 | 42,696,000 | 43,691,000 | 44,685,000 |
| Risk-weighted assets | 272,585,000 | 274,320,000 | 291,859,000 | 299,408,000 |