Call reports 2013
RARITAN STATE BANK — 2013
What RARITAN STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 172,194,000 | 170,358,000 | 167,454,000 | 162,245,000 |
| Total loans | 88,605,000 | 93,230,000 | 97,838,000 | 98,793,000 |
| Allowance for loan losses | 759,000 | 798,000 | 821,000 | 846,000 |
| Securities available for sale | 66,006,000 | 69,273,000 | 63,484,000 | 58,174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,905,000 | 155,179,000 | 149,435,000 | 144,845,000 |
| Interest-bearing deposits | 134,323,000 | 132,717,000 | 129,664,000 | 122,816,000 |
| Noninterest-bearing deposits | 21,582,000 | 22,462,000 | 19,771,000 | 22,029,000 |
| Equity capital | 15,287,000 | 14,729,000 | 15,130,000 | 14,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,505,000 | 3,018,000 | 4,618,000 | 6,332,000 |
| Interest expense | 228,000 | 456,000 | 662,000 | 859,000 |
| Net interest income | 1,277,000 | 2,562,000 | 3,956,000 | 5,473,000 |
| Noninterest income | 117,000 | 242,000 | 381,000 | 509,000 |
| Noninterest expense | 712,000 | 1,494,000 | 2,250,000 | 3,356,000 |
| Provision for loan losses | 0 | 44,000 | 187,000 | 317,000 |
| Pretax income | 682,000 | 1,285,000 | 1,826,000 | 2,251,000 |
| Income tax | 226,000 | 427,000 | 584,000 | 698,000 |
| Net income | 456,000 | 858,000 | 1,242,000 | 1,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,740,000 | 15,138,000 | 15,288,000 | 15,195,000 |
| Total capital | 15,499,000 | 15,936,000 | 16,109,000 | 16,041,000 |
| Risk-weighted assets | 90,315,000 | 94,018,000 | 98,053,000 | 97,437,000 |