Company Quick10K Filing
1st Constitution Bancorp
Price18.86 EPS2
Shares9 P/E12
MCap165 P/FCF24
Net Debt-21 EBIT31
TEV144 TEV/EBIT5
TTM 2019-09-30, in MM, except price, ratios
10-Q 2020-09-30 Filed 2020-11-06
10-Q 2020-06-30 Filed 2020-08-10
10-Q 2020-03-31 Filed 2020-05-11
10-K 2019-12-31 Filed 2020-03-16
10-Q 2019-09-30 Filed 2019-11-08
10-Q 2019-06-30 Filed 2019-08-08
10-Q 2019-03-31 Filed 2019-05-08
10-K 2018-12-31 Filed 2019-03-15
10-Q 2018-09-30 Filed 2018-11-07
10-Q 2018-06-30 Filed 2018-08-08
10-Q 2018-03-31 Filed 2018-05-08
10-K 2017-12-31 Filed 2018-03-19
10-Q 2017-09-30 Filed 2017-11-09
10-Q 2017-06-30 Filed 2017-08-10
10-Q 2017-03-31 Filed 2017-05-09
10-K 2016-12-31 Filed 2017-03-16
10-Q 2016-09-30 Filed 2016-11-10
10-Q 2016-06-30 Filed 2016-08-10
10-Q 2016-03-31 Filed 2016-05-11
10-K 2015-12-31 Filed 2016-03-22
10-Q 2015-09-30 Filed 2015-11-16
10-Q 2015-06-30 Filed 2015-08-12
10-Q 2015-03-31 Filed 2015-05-13
10-K 2014-12-31 Filed 2015-03-26
10-Q 2014-09-30 Filed 2014-11-13
10-Q 2014-06-30 Filed 2014-08-14
10-Q 2014-03-31 Filed 2014-05-15
10-K 2013-12-31 Filed 2014-03-31
10-Q 2013-09-30 Filed 2013-11-12
10-Q 2013-06-30 Filed 2013-08-14
10-Q 2013-03-31 Filed 2013-05-14
10-K 2012-12-31 Filed 2013-03-22
10-Q 2012-09-30 Filed 2012-11-14
10-Q 2012-06-30 Filed 2012-08-14
10-Q 2012-03-31 Filed 2012-05-15
10-K 2011-12-31 Filed 2012-03-23
10-Q 2011-09-30 Filed 2011-11-14
10-Q 2011-06-30 Filed 2011-08-15
10-Q 2011-03-31 Filed 2011-05-16
10-K 2010-12-31 Filed 2011-03-23
10-Q 2010-09-30 Filed 2010-11-15
10-Q 2010-06-30 Filed 2010-08-16
10-Q 2010-03-31 Filed 2010-05-14
10-K 2009-12-31 Filed 2010-03-26
8-K 2021-02-09 Exhibits
8-K 2021-02-02 Earnings, Other Events, Exhibits
8-K 2020-11-06
8-K 2020-10-23
8-K 2020-09-09
8-K 2020-07-24
8-K 2020-06-16
8-K 2020-05-22
8-K 2020-05-04
8-K 2020-03-13
8-K 2020-01-31
8-K 2019-11-21
8-K 2019-11-12
8-K 2019-11-08
8-K 2019-10-18
8-K 2019-10-18
8-K 2019-10-15
8-K 2019-09-27
8-K 2019-08-30
8-K 2019-07-19
8-K 2019-06-23
8-K 2019-06-23
8-K 2019-06-03
8-K 2019-04-19
8-K 2019-02-21
8-K 2019-02-08
8-K 2019-01-31
8-K 2018-11-05
8-K 2018-10-19
8-K 2018-07-20
8-K 2018-05-24
8-K 2018-05-07
8-K 2018-04-20
8-K 2018-04-11
8-K 2018-03-22
8-K 2018-02-26
8-K 2018-02-14
8-K 2018-02-02

FCCY 10Q Quarterly Report

Part I. Financial Information
Item 1. Financial Statements.
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 3. Quantitative and Qualitative Disclosures About Market Risk
Item 4. Controls and Procedures
Part II. Other Information
Item 1. Legal Proceedings
Item 1A. Risk Factors
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
Item 3. Defaults Upon Senior Securities
Item 4. Mine Safety Disclosures
Item 5. Other Information
Item 6. Exhibits.
EX-31.1 exhibit311ceocertifica.htm
EX-31.2 exhibit312cfocertifica.htm
EX-32 exhibit32ceoandcfocert.htm

1st Constitution Bancorp Earnings 2020-09-30

Balance SheetIncome StatementCash Flow
1.41.10.80.60.30.02012201420172020
Assets, Equity
0.10.10.10.00.00.02016201720182020
Rev, G Profit, Net Income
0.20.10.0-0.0-0.1-0.22012201420172020
Ops, Inv, Fin

fccy-20200930
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
(Mark One)
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended September 30, 2020
or
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from _____ to _____
Commission file Number:        000-32891
1ST CONSTITUTION BANCORP
(Exact Name of Registrant as Specified in Its Charter)
New Jersey22-3665653
(State of Other Jurisdiction
of Incorporation or Organization)
(I.R.S. Employer Identification No.)

2650 Route 130P.O. Box 634CranburyNew Jersey08512
(Address of Principal Executive Offices)(Zip Code)
(Registrant’s Telephone Number, Including Area Code)(609)655-4500
(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common stock, no par valueFCCY
NASDAQ Global Market

Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.     Yes        No
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes        No
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.



Large accelerated filerAccelerated filer
Non-accelerated filerSmaller reporting company
Emerging growth company
If an emerging growth company, indicated by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
    Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  Yes    No  
    As of November 3, 2020, there were 10,237,851 shares of the registrant’s common stock, no par value, outstanding.



1ST CONSTITUTION BANCORP
FORM 10-Q
INDEX
Page
PART I.FINANCIAL INFORMATION
Item 1.Financial Statements
Consolidated Balance Sheets at September 30, 2020 and December 31, 2019 (unaudited)
Consolidated Statements of Income for the Three and Nine Months Ended September 30, 2020 and September 30, 2019 (unaudited)
Consolidated Statements of Comprehensive Income for the Three and Nine Months Ended September 30, 2020 and September 30, 2019 (unaudited)
Consolidated Statements of Changes in Shareholders' Equity for the Three and Nine Months Ended September 30, 2020 and September 30, 2019 (unaudited)
Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2020 and September 30, 2019 (unaudited)
Notes to Consolidated Financial Statements (unaudited)
Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations
Item 3.Quantitative and Qualitative Disclosures About Market Risk
Item 4.Controls and Procedures
PART II.OTHER INFORMATION
Item 1.Legal Proceedings
Item 1A.Risk Factors
Item 2.Unregistered Sales of Equity Securities and Use of Proceeds
Item 3.Defaults Upon Senior Securities



Item 4.Mine Safety Disclosures
Item 5.Other Information
Item 6.Exhibits
SIGNATURES



PART I. FINANCIAL INFORMATION
Item 1.    Financial Statements.
1ST Constitution Bancorp
Consolidated Balance Sheets
(Dollars in thousands)
(Unaudited)
September 30, 2020December 31, 2019
ASSETS
Cash and due from banks$8,811 $2,547 
Interest-earning deposits11,244 12,295 
Total cash and cash equivalents20,055 14,842 
Investment securities  
Available for sale, at fair value135,123 155,782 
Held to maturity (fair value of $90,735 and $78,223 at September 30, 2020
    and December 31, 2019, respectively)
87,811 76,620 
Total investment securities222,934 232,402 
Loans held for sale28,196 5,927 
Loans1,455,684 1,216,028 
  Less: allowance for loan losses(14,450)(9,271)
    Net loans1,441,234 1,206,757 
Premises and equipment, net14,503 15,262 
Right-of-use assets16,910 17,957 
Accrued interest receivable5,689 4,945 
Bank-owned life insurance37,131 36,678 
Other real estate owned267 571 
Goodwill and intangible assets36,471 36,779 
Other assets20,640 14,142 
Total assets$1,844,030 $1,586,262 
LIABILITIES AND SHAREHOLDERS’ EQUITY  
LIABILITIES  
Deposits  
Non-interest bearing$426,528 $287,555 
Interest bearing1,084,505 989,807 
Total deposits1,511,033 1,277,362 
Short-term borrowings105,867 92,050 
Redeemable subordinated debentures18,557 18,557 
Accrued interest payable1,069 1,592 
Lease liability17,714 18,617 
Accrued expenses and other liabilities7,783 7,506 
Total liabilities1,662,023 1,415,684 
SHAREHOLDERS' EQUITY  
Preferred stock, no par value; 5,000,000 shares authorized; none issued
  
Common stock, no par value; 30,000,000 shares authorized; 10,285,229 and 10,224,974 shares issued and 10,237,520 and 10,191,676 shares outstanding as of September 30, 2020 and December 31, 2019, respectively
110,825 109,964 
Retained earnings70,058 60,791 
Treasury stock, 47,709 and 33,298 shares at September 30, 2020 and December 31, 2019, respectively
(611)(368)
Accumulated other comprehensive income1,735 191 
Total shareholders' equity182,007 170,578 
Total liabilities and shareholders' equity$1,844,030 $1,586,262 
The accompanying notes are an integral part of these consolidated financial statements.
1


1ST Constitution Bancorp
Consolidated Statements of Income
(Dollars in thousands, except per share data)
(Unaudited)
Three Months Ended September 30,Nine Months Ended September 30,
2020201920202019
INTEREST INCOME
Loans, including fees$16,477 $13,316 $46,656 $38,342 
Securities:
Taxable725 1,130 2,633 3,615 
Tax-exempt504 393 1,438 1,256 
Federal funds sold and short-term investments2 35 95 129 
Total interest income17,708 14,874 50,822 43,342 
INTEREST EXPENSE
Deposits2,171 2,904 8,133 7,892 
Borrowings95 268 205 698 
Redeemable subordinated debentures90 185 348 575 
Total interest expense2,356 3,357 8,686 9,165 
Net interest income15,352 11,517 42,136 34,177 
PROVISION FOR LOAN LOSSES2,320 350 5,340 1,050 
Net interest income after provision for loan losses
13,032 11,167 36,796 33,127 
NON-INTEREST INCOME
Service charges on deposit accounts126 165 471 490 
Gain on sales of loans3,396 1,351 6,987 3,556 
Income on bank-owned life insurance188 149 632 437 
Gain on sales and calls of securities79 16 97 16 
Other income947 525 2,105 1,743 
Total non-interest income4,736 2,206 10,292 6,242 
NON-INTEREST EXPENSES
Salaries and employee benefits7,106 5,231 19,276 15,472 
Occupancy expense1,222 972 3,597 2,984 
Data processing expenses486 379 1,402 1,072 
FDIC insurance expense225 (47)484 113 
Other real estate owned expenses27 52 58 134 
Merger-related expenses 302 64 575 
Other operating expenses1,896 1,546 5,711 4,746 
Total non-interest expenses10,962 8,435 30,592 25,096 
Income before income taxes6,806 4,938 16,496 14,273 
INCOME TAXES1,896 1,315 4,475 3,883 
Net income
$4,910 $3,623 $12,021 $10,390 
EARNINGS PER COMMON SHARE
Basic
$0.48 $0.42 $1.18 $1.20 
Diluted
$0.48 $0.42 $1.17 $1.19 
WEIGHTED AVERAGE SHARES OUTSTANDING
Basic
10,230,488 8,666,251 10,213,601 8,641,684 
Diluted
10,268,951 8,722,349 10,260,477 8,698,959 
The accompanying notes are an integral part of these consolidated financial statements.
2


1ST Constitution Bancorp
Consolidated Statements of Comprehensive Income
(Dollars in thousands)
(Unaudited)
Three Months Ended September 30,Nine Months Ended September 30,
2020201920202019
Net income $4,910 $3,623 $12,021 $10,390 
Other comprehensive income:
Unrealized holding gains on securities available for sale
435 200 1,964 2,631 
Tax effect
(103)(48)(475)(638)
Net of tax amount
332 152 1,489 1,993 
Reclassification adjustment for losses (gains) on securities available for sale(1)
14 (16)3 (16)
   Tax effect (2)
(4)4 (1)4 
Net of tax amount
10 (12)2 (12)
Reclassification adjustment for unrealized impairment loss on held to maturity security(3)
6 2 14 6 
Tax effect
(1) (4)(1)
Net of tax amount5 2 10 5 
Pension liability70 56 211 167 
Tax effect(20)(18)(62)(49)
Net of tax amount50 38 149 118 
Reclassification adjustment for actuarial gains for unfunded pension liability(4)
(51)(44)(151)(132)
Tax effect (2)
15 14 45 40 
Net of tax amount
(36)(30)(106)(92)
Total other comprehensive income361 150 1,544 2,012 
Comprehensive income$5,271 $3,773 $13,565 $12,402 
(1) Included in gain on sales and calls of securities on the consolidated statements of income
(2) Included in income taxes on the consolidated statements of income
(3) Included in investment securities held to maturity on the consolidated balance sheets
(4) Included in salaries and employee benefits expense on the consolidated statements of income


        
The accompanying notes are an integral part of these consolidated financial statements.

3


1ST Constitution Bancorp
Consolidated Statements of Changes in Shareholders’ Equity
For the Three and Nine Months Ended September 30, 2020 and 2019
(Dollars in thousands)
(Unaudited)
Common
Stock
Retained
Earnings
Treasury
Stock
Accumulated
Other
Comprehensive
Income (Loss)
Total
Shareholders’
Equity
Balance, July 1, 2019$80,190 $55,224 $(368)$29 $135,075 
Net income— 3,623 — — 3,623 
Exercise of stock options and issuance of restricted shares (8,358 shares and 25,350 shares, respectively)
60 — — — 60 
Share-based compensation268 — — — 268 
Cash dividends ($0.075 per share)
— (649)— — (649)
Other comprehensive income— — — 150 150 
Balance, September 30, 2019$80,518 $58,198 $(368)$179 $138,527 
Balance, July 1, 2020$110,546 $66,067 $(503)$1,374 $177,484 
Net income— 4,910 — — 4,910 
Exercise of stock options and issuance of restricted shares (755 shares and 26,100 shares, respectively)
5 — — — 5 
Share-based compensation274 — — — 274 
Cash dividends ($0.09 per share)
— (919)— — (919)
Treasury stock purchase (8,383 shares)
(108)(108)
Other comprehensive income— — — 361 361 
Balance, September 30, 2020$110,825 $70,058 $(611)$1,735 $182,007 
Common
Stock
Retained
Earnings
Treasury
Stock
Accumulated
Other
Comprehensive
Income (Loss)
Total
Shareholders’
Equity
Balance, January 1, 2019$79,536 $49,750 $(368)$(1,833)$127,085 
Net income— 10,390 — — 10,390 
Exercise of stock options and issuance of restricted shares (24,277 shares and 53,931 shares, respectively)
149 — — — 149 
Share-based compensation833 — — — 833 
Cash dividends ($0.225 per share)
— (1,942)— — (1,942)
Other comprehensive income— — — 2,012 2,012 
Balance, September 30, 2019$80,518 $58,198 $(368)$179 $138,527 
Balance, January 1, 2020$109,964 $60,791 $(368)$191 $170,578 
Net income— 12,021 — — 12,021 
Exercise of stock options and issuance of restricted shares (755 shares and 59,500 shares, respectively)
5 — — — 5 
Share-based compensation856 — — — 856 
Cash dividends ($0.27 per share)
— (2,754)— — (2,754)
Treasury stock purchased (14,411 shares)
— — (243)— (243)
Other comprehensive income— — — 1,544 1,544 
Balance, September 30, 2020$110,825 $70,058 $(611)$1,735 $182,007 
The accompanying notes are an integral part of these consolidated financial statements.
4


1ST Constitution Bancorp
Consolidated Statements of Cash Flows
(Dollars in thousands)
(Unaudited)
Nine Months Ended September 30,
20202019
OPERATING ACTIVITIES:
Net income$12,021 $10,390 
Adjustments to reconcile net income to net cash (used in) provided by operating activities-
Provision for loan losses5,340 1,050 
Depreciation and amortization1,561 1,020 
Net amortization of premiums and discounts on securities956 425 
SBA loan discount accretion
(300)(289)
Loss (gain) on sales and calls of securities available for sale3 (16)
Gain on sales and calls of securities held to maturity(100) 
Gain on sales of other real estate owned(71)(137)
Gain on sales of loans held for sale(6,987)(3,556)
Originations of loans held for sale(238,201)(100,664)
Proceeds from sales of loans held for sale222,919 100,502 
Increase in cash surrender value on bank–owned life insurance(557)(437)
Gain on cash surrender value on bank-owned life insurance
(75) 
Share-based compensation expense856 833 
Decrease in deferred tax asset
498 1,146 
Noncash rent and equipment expense144 152 
(Increase) decrease in accrued interest receivable(744)208 
(Increase) in other assets(9,492)(3,442)
(Decrease) increase in accrued interest payable(523)374 
Increase (decrease) in accrued expenses and other liabilities338 (693)
                Net cash (used in) provided by operating activities(12,414)