Call reports 2021
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2021
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 497,697,000 | 505,930,000 | 514,699,000 | 522,001,000 |
| Total loans | 306,128,000 | 300,212,000 | 294,022,000 | 287,745,000 |
| Allowance for loan losses | 4,934,000 | 5,025,000 | 5,094,000 | 5,067,000 |
| Securities available for sale | 142,209,000 | 172,026,000 | 179,347,000 | 199,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,745,000 | 457,513,000 | 465,563,000 | 472,610,000 |
| Interest-bearing deposits | 261,820,000 | 262,936,000 | 250,008,000 | 399,041,000 |
| Noninterest-bearing deposits | 187,925,000 | 194,577,000 | 215,555,000 | 73,569,000 |
| Equity capital | 46,542,000 | 47,602,000 | 48,431,000 | 48,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,947,000 | 7,925,000 | 11,953,000 | 16,027,000 |
| Interest expense | 683,000 | 1,355,000 | 1,979,000 | 2,567,000 |
| Net interest income | 3,264,000 | 6,570,000 | 9,974,000 | 13,460,000 |
| Noninterest income | 771,000 | 1,562,000 | 2,347,000 | 2,950,000 |
| Noninterest expense | 2,317,000 | 4,677,000 | 7,105,000 | 9,652,000 |
| Provision for loan losses | 90,000 | 180,000 | 242,000 | 242,000 |
| Pretax income | 1,628,000 | 3,275,000 | 4,974,000 | 6,516,000 |
| Income tax | 472,000 | 950,000 | 1,442,000 | 1,707,000 |
| Net income | 1,156,000 | 2,325,000 | 3,532,000 | 4,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,640,000 | 46,560,000 | 47,516,000 | 48,543,000 |