1St Constitution Bank
Cranbury, NJ — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | 1St Constitution Bank | All Insured Commercial Banks in New Jersey |
Interest and Fees on Loans | 35,272 | 29,100 |
Income from Lease Financing Receivables | 157 | 31 |
— | 49 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 23 |
Income on Loans and Leases (TE) | 35,429 | 29,223 |
Investment Interest Income (TE) | 6,346 | 2,453 |
Total Interest Income (TE) | 41,981 | 32,299 |
Total Interest Expense | 4,731 | 4,682 |
Net Interest Income (TE) | 37,250 | 27,350 |
Non-Interest Income | 6,889 | 7,091 |
Adjusted Operating Income (TE) | 44,139 | 36,057 |
Non-interest Expense | 28,985 | 23,648 |
Provision for Loan & Lease Losses | -300 | 876 |
Pretax Operating Income (TE) | 15,454 | 10,871 |
Pretax Net Operating Income (TE) | 15,454 | 10,995 |
Applicable Income Taxes | 4,769 | 2,973 |
Net Operating Income | 9,566 | 8,462 |
Net Income | 9,566 | 8,451 |
Cash Dividends Declared | 435 | 2,119 |
Retained Earnings | 9,131 | 5,840 |