Call reports 2007
RARITAN STATE BANK — 2007
What RARITAN STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 97,387,000 | 99,518,000 | 106,053,000 | 118,019,000 |
| Total loans | 68,201,000 | 69,380,000 | 76,989,000 | 75,825,000 |
| Allowance for loan losses | 692,000 | 598,000 | 599,000 | 589,000 |
| Securities available for sale | 22,940,000 | 21,936,000 | 20,943,000 | 23,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,817,000 | 88,954,000 | 90,967,000 | 104,805,000 |
| Interest-bearing deposits | 77,150,000 | 79,055,000 | 81,796,000 | 91,769,000 |
| Noninterest-bearing deposits | 9,667,000 | 9,899,000 | 9,171,000 | 13,036,000 |
| Equity capital | 10,049,000 | 10,042,000 | 10,395,000 | 10,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,463,000 | 2,908,000 | 4,478,000 | 6,130,000 |
| Interest expense | 770,000 | 1,584,000 | 2,426,000 | 3,373,000 |
| Net interest income | 693,000 | 1,324,000 | 2,052,000 | 2,757,000 |
| Noninterest income | 113,000 | 167,000 | 292,000 | 343,000 |
| Noninterest expense | 578,000 | 1,118,000 | 1,689,000 | 2,305,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 65,000 |
| Pretax income | 218,000 | 363,000 | 645,000 | 729,000 |
| Income tax | 46,000 | 83,000 | 166,000 | 150,000 |
| Net income | 172,000 | 280,000 | 479,000 | 579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,265,000 | 10,342,000 | 10,537,000 | 10,478,000 |
| Total capital | 10,957,000 | 10,940,000 | 11,136,000 | 11,067,000 |
| Risk-weighted assets | 66,945,000 | 68,242,000 | 76,082,000 | 77,517,000 |