Call reports 2004
RARITAN STATE BANK — 2004
What RARITAN STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 90,952,000 | 90,616,000 | 91,437,000 | 90,749,000 |
| Total loans | 55,886,000 | 56,236,000 | 57,537,000 | 57,591,000 |
| Allowance for loan losses | 914,000 | 833,000 | 841,000 | 855,000 |
| Securities available for sale | 30,484,000 | 29,365,000 | 29,726,000 | 28,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,971,000 | 81,848,000 | 81,790,000 | 79,023,000 |
| Interest-bearing deposits | 74,112,000 | 74,698,000 | 72,066,000 | 69,806,000 |
| Noninterest-bearing deposits | 7,859,000 | 7,150,000 | 9,724,000 | 9,217,000 |
| Equity capital | 8,725,000 | 8,496,000 | 9,004,000 | 8,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,190,000 | 2,421,000 | 3,652,000 | 4,898,000 |
| Interest expense | 420,000 | 816,000 | 1,218,000 | 1,625,000 |
| Net interest income | 770,000 | 1,605,000 | 2,434,000 | 3,273,000 |
| Noninterest income | 96,000 | 192,000 | 280,000 | 353,000 |
| Noninterest expense | 486,000 | 941,000 | 1,459,000 | 1,946,000 |
| Provision for loan losses | 0 | 0 | 0 | 63,000 |
| Pretax income | 359,000 | 820,000 | 1,254,000 | 1,615,000 |
| Income tax | 137,000 | 318,000 | 441,000 | 564,000 |
| Net income | 222,000 | 502,000 | 813,000 | 1,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,428,000 | 8,655,000 | 8,959,000 | 8,963,000 |
| Total capital | 9,167,000 | 9,366,000 | 9,685,000 | 9,688,000 |
| Risk-weighted assets | 58,907,000 | 56,719,000 | 57,966,000 | 57,853,000 |