Call reports 2006
RARITAN STATE BANK — 2006
What RARITAN STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 92,342,000 | 92,832,000 | 96,759,000 | 97,627,000 |
| Total loans | 63,339,000 | 64,206,000 | 68,002,000 | 66,529,000 |
| Allowance for loan losses | 826,000 | 724,000 | 673,000 | 680,000 |
| Securities available for sale | 24,853,000 | 23,788,000 | 23,663,000 | 23,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,361,000 | 80,445,000 | 82,921,000 | 87,326,000 |
| Interest-bearing deposits | 72,788,000 | 71,892,000 | 75,043,000 | 76,796,000 |
| Noninterest-bearing deposits | 8,573,000 | 8,553,000 | 7,878,000 | 10,530,000 |
| Equity capital | 9,455,000 | 9,450,000 | 9,883,000 | 9,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,611,000 | 4,049,000 | 5,529,000 |
| Interest expense | 559,000 | 1,169,000 | 1,877,000 | 2,652,000 |
| Net interest income | 747,000 | 1,442,000 | 2,172,000 | 2,877,000 |
| Noninterest income | 96,000 | 208,000 | 340,000 | 397,000 |
| Noninterest expense | 495,000 | 1,001,000 | 1,531,000 | 2,079,000 |
| Provision for loan losses | 35,000 | 90,000 | 125,000 | 180,000 |
| Pretax income | 313,000 | 543,000 | 840,000 | 991,000 |
| Income tax | 82,000 | 165,000 | 245,000 | 267,000 |
| Net income | 231,000 | 378,000 | 595,000 | 724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,835,000 | 9,950,000 | 10,130,000 | 10,095,000 |
| Total capital | 10,606,000 | 10,674,000 | 10,803,000 | 10,775,000 |
| Risk-weighted assets | 61,608,000 | 63,216,000 | 67,201,000 | 66,132,000 |