Call reports 2005
RARITAN STATE BANK — 2005
What RARITAN STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 90,555,000 | 90,985,000 | 91,703,000 | 94,197,000 |
| Total loans | 59,210,000 | 60,363,000 | 62,097,000 | 60,563,000 |
| Allowance for loan losses | 872,000 | 869,000 | 840,000 | 804,000 |
| Securities available for sale | 28,394,000 | 25,020,000 | 24,484,000 | 24,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,139,000 | 81,397,000 | 81,727,000 | 84,621,000 |
| Interest-bearing deposits | 72,045,000 | 73,483,000 | 73,651,000 | 73,004,000 |
| Noninterest-bearing deposits | 8,094,000 | 7,914,000 | 8,076,000 | 11,617,000 |
| Equity capital | 8,876,000 | 9,336,000 | 9,554,000 | 9,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,180,000 | 2,451,000 | 3,752,000 | 5,058,000 |
| Interest expense | 421,000 | 882,000 | 1,371,000 | 1,897,000 |
| Net interest income | 759,000 | 1,569,000 | 2,381,000 | 3,161,000 |
| Noninterest income | 118,000 | 238,000 | 364,000 | 488,000 |
| Noninterest expense | 541,000 | 1,032,000 | 1,540,000 | 2,047,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 225,000 |
| Pretax income | 321,000 | 718,000 | 1,132,000 | 1,329,000 |
| Income tax | 104,000 | 215,000 | 349,000 | 394,000 |
| Net income | 217,000 | 503,000 | 783,000 | 935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,176,000 | 9,400,000 | 9,680,000 | 9,614,000 |
| Total capital | 9,911,000 | 10,130,000 | 10,440,000 | 10,371,000 |
| Risk-weighted assets | 58,900,000 | 58,273,000 | 60,753,000 | 60,527,000 |