Call reports 2012
RARITAN STATE BANK — 2012
What RARITAN STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 160,978,000 | 162,876,000 | 163,594,000 | 164,014,000 |
| Total loans | 90,044,000 | 91,644,000 | 94,336,000 | 93,484,000 |
| Allowance for loan losses | 736,000 | 711,000 | 738,000 | 746,000 |
| Securities available for sale | 60,253,000 | 61,112,000 | 61,112,000 | 63,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,820,000 | 147,100,000 | 146,175,000 | 145,931,000 |
| Interest-bearing deposits | 125,924,000 | 129,177,000 | 128,742,000 | 123,871,000 |
| Noninterest-bearing deposits | 19,896,000 | 17,923,000 | 17,433,000 | 22,060,000 |
| Equity capital | 14,073,000 | 14,505,000 | 14,994,000 | 14,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,602,000 | 3,342,000 | 4,926,000 | 6,446,000 |
| Interest expense | 327,000 | 623,000 | 897,000 | 1,151,000 |
| Net interest income | 1,275,000 | 2,719,000 | 4,029,000 | 5,295,000 |
| Noninterest income | 138,000 | 275,000 | 384,000 | 440,000 |
| Noninterest expense | 786,000 | 1,606,000 | 2,402,000 | 3,162,000 |
| Provision for loan losses | 87,000 | 181,000 | 247,000 | 316,000 |
| Pretax income | 540,000 | 1,125,000 | 1,679,000 | 2,164,000 |
| Income tax | 180,000 | 320,000 | 522,000 | 681,000 |
| Net income | 360,000 | 805,000 | 1,157,000 | 1,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,484,000 | 13,922,000 | 14,230,000 | 14,290,000 |
| Total capital | 14,220,000 | 14,633,000 | 14,968,000 | 15,036,000 |
| Risk-weighted assets | 87,893,000 | 92,169,000 | 94,086,000 | 93,472,000 |