Call reports 2011
RARITAN STATE BANK — 2011
What RARITAN STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 161,510,000 | 156,788,000 | 152,011,000 | 156,212,000 |
| Total loans | 94,105,000 | 92,645,000 | 96,023,000 | 95,719,000 |
| Allowance for loan losses | 816,000 | 825,000 | 726,000 | 771,000 |
| Securities available for sale | 44,812,000 | 57,413,000 | 47,510,000 | 46,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,878,000 | 142,941,000 | 137,732,000 | 141,710,000 |
| Interest-bearing deposits | 132,250,000 | 127,480,000 | 122,070,000 | 123,677,000 |
| Noninterest-bearing deposits | 16,628,000 | 15,461,000 | 15,662,000 | 18,033,000 |
| Equity capital | 12,179,000 | 13,216,000 | 13,633,000 | 13,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,692,000 | 3,361,000 | 5,025,000 | 6,784,000 |
| Interest expense | 490,000 | 945,000 | 1,350,000 | 1,719,000 |
| Net interest income | 1,202,000 | 2,416,000 | 3,675,000 | 5,065,000 |
| Noninterest income | 89,000 | 213,000 | 288,000 | 358,000 |
| Noninterest expense | 821,000 | 1,585,000 | 2,443,000 | 3,210,000 |
| Provision for loan losses | 0 | 0 | 124,000 | 424,000 |
| Pretax income | 475,000 | 1,027,000 | 1,388,000 | 1,781,000 |
| Income tax | 161,000 | 320,000 | 417,000 | 529,000 |
| Net income | 314,000 | 707,000 | 971,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,248,000 | 12,741,000 | 12,947,000 | 13,227,000 |
| Total capital | 13,064,000 | 13,566,000 | 13,673,000 | 13,998,000 |
| Risk-weighted assets | 94,631,000 | 91,452,000 | 92,664,000 | 92,819,000 |