Call reports 2014
RARITAN STATE BANK — 2014
What RARITAN STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 166,310,000 | 165,809,000 | 164,364,000 | 157,296,000 |
| Total loans | 98,179,000 | 100,286,000 | 104,778,000 | 108,617,000 |
| Allowance for loan losses | 866,000 | 864,000 | 809,000 | 845,000 |
| Securities available for sale | 58,199,000 | 57,916,000 | 53,047,000 | 41,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,558,000 | 149,506,000 | 143,942,000 | 139,964,000 |
| Interest-bearing deposits | 129,617,000 | 129,481,000 | 126,044,000 | 118,751,000 |
| Noninterest-bearing deposits | 20,941,000 | 20,025,000 | 17,898,000 | 21,213,000 |
| Equity capital | 15,351,000 | 15,748,000 | 16,080,000 | 16,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,465,000 | 2,959,000 | 4,508,000 | 6,200,000 |
| Interest expense | 186,000 | 373,000 | 557,000 | 734,000 |
| Net interest income | 1,279,000 | 2,586,000 | 3,951,000 | 5,466,000 |
| Noninterest income | 127,000 | 239,000 | 399,000 | 498,000 |
| Noninterest expense | 778,000 | 1,567,000 | 2,333,000 | 3,201,000 |
| Provision for loan losses | 5,000 | 5,000 | 15,000 | 107,000 |
| Pretax income | 598,000 | 1,253,000 | 1,930,000 | 2,524,000 |
| Income tax | 222,000 | 467,000 | 705,000 | 895,000 |
| Net income | 376,000 | 786,000 | 1,225,000 | 1,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,564,000 | 15,780,000 | 16,220,000 | 16,300,000 |
| Total capital | 16,430,000 | 16,644,000 | 17,029,000 | 17,145,000 |
| Risk-weighted assets | 97,012,000 | 98,414,000 | 101,720,000 | 103,279,000 |