Call reports 2010
RARITAN STATE BANK — 2010
What RARITAN STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 150,032,000 | 158,355,000 | 163,267,000 | 158,238,000 |
| Total loans | 95,931,000 | 99,525,000 | 98,503,000 | 97,587,000 |
| Allowance for loan losses | 795,000 | 907,000 | 836,000 | 855,000 |
| Securities available for sale | 42,719,000 | 42,387,000 | 46,903,000 | 43,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,982,000 | 142,767,000 | 149,806,000 | 146,448,000 |
| Interest-bearing deposits | 123,785,000 | 124,175,000 | 135,035,000 | 132,086,000 |
| Noninterest-bearing deposits | 13,197,000 | 18,593,000 | 14,771,000 | 14,362,000 |
| Equity capital | 12,198,000 | 12,622,000 | 12,591,000 | 11,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,874,000 | 3,763,000 | 5,730,000 | 7,589,000 |
| Interest expense | 600,000 | 1,169,000 | 1,757,000 | 2,304,000 |
| Net interest income | 1,274,000 | 2,594,000 | 3,973,000 | 5,285,000 |
| Noninterest income | 91,000 | 210,000 | 340,000 | 402,000 |
| Noninterest expense | 852,000 | 1,641,000 | 2,474,000 | 3,235,000 |
| Provision for loan losses | 72,000 | 249,000 | 1,097,000 | 2,992,000 |
| Pretax income | 441,000 | 914,000 | 758,000 | -58,000 |
| Income tax | 123,000 | 261,000 | 159,000 | -77,000 |
| Net income | 318,000 | 653,000 | 599,000 | 19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,624,000 | 11,959,000 | 11,875,000 | 11,645,000 |
| Total capital | 12,419,000 | 12,866,000 | 12,711,000 | 12,500,000 |
| Risk-weighted assets | 93,150,000 | 97,528,000 | 100,491,000 | 97,211,000 |