Call reports 2009
RARITAN STATE BANK — 2009
What RARITAN STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 131,866,000 | 134,349,000 | 150,812,000 | 147,397,000 |
| Total loans | 81,630,000 | 82,243,000 | 87,727,000 | 92,196,000 |
| Allowance for loan losses | 713,000 | 693,000 | 752,000 | 728,000 |
| Securities available for sale | 33,329,000 | 35,177,000 | 39,060,000 | 41,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,486,000 | 121,844,000 | 137,593,000 | 134,560,000 |
| Interest-bearing deposits | 107,856,000 | 108,924,000 | 126,308,000 | 121,101,000 |
| Noninterest-bearing deposits | 11,630,000 | 12,920,000 | 11,285,000 | 13,459,000 |
| Equity capital | 11,779,000 | 11,845,000 | 12,375,000 | 12,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,721,000 | 3,239,000 | 5,002,000 | 6,807,000 |
| Interest expense | 673,000 | 1,337,000 | 1,999,000 | 2,659,000 |
| Net interest income | 1,048,000 | 1,902,000 | 3,003,000 | 4,148,000 |
| Noninterest income | 40,000 | 139,000 | 186,000 | 233,000 |
| Noninterest expense | 660,000 | 1,370,000 | 2,125,000 | 2,950,000 |
| Provision for loan losses | 34,000 | 89,000 | 176,000 | 473,000 |
| Pretax income | 398,000 | 617,000 | 958,000 | 1,034,000 |
| Income tax | 118,000 | 176,000 | 272,000 | 274,000 |
| Net income | 280,000 | 441,000 | 686,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,285,000 | 11,444,000 | 11,642,000 | 11,547,000 |
| Total capital | 11,997,000 | 12,137,000 | 12,394,000 | 12,275,000 |
| Risk-weighted assets | 83,661,000 | 82,979,000 | 90,891,000 | 89,999,000 |