Call reports 2015
RARITAN STATE BANK — 2015
What RARITAN STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 155,648,000 | 161,363,000 | 157,793,000 | 159,768,000 |
| Total loans | 114,408,000 | 116,927,000 | 118,542,000 | 124,337,000 |
| Allowance for loan losses | 871,000 | 886,000 | 952,000 | 1,092,000 |
| Securities available for sale | 34,307,000 | 34,294,000 | 33,820,000 | 29,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,297,000 | 144,234,000 | 139,991,000 | 141,063,000 |
| Interest-bearing deposits | 118,774,000 | 124,927,000 | 120,785,000 | 118,190,000 |
| Noninterest-bearing deposits | 19,523,000 | 19,307,000 | 19,206,000 | 22,873,000 |
| Equity capital | 16,699,000 | 16,900,000 | 17,467,000 | 17,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,677,000 | 3,349,000 | 4,976,000 | 6,684,000 |
| Interest expense | 166,000 | 336,000 | 510,000 | 686,000 |
| Net interest income | 1,511,000 | 3,013,000 | 4,466,000 | 5,998,000 |
| Noninterest income | 127,000 | 238,000 | 381,000 | 536,000 |
| Noninterest expense | 782,000 | 1,669,000 | 2,426,000 | 3,219,000 |
| Provision for loan losses | 40,000 | 95,000 | 210,000 | 393,000 |
| Pretax income | 807,000 | 1,467,000 | 2,134,000 | 2,670,000 |
| Income tax | 293,000 | 531,000 | 776,000 | 986,000 |
| Net income | 514,000 | 936,000 | 1,358,000 | 1,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,720,000 | 17,048,000 | 17,438,000 | 17,522,000 |
| Total capital | 17,591,000 | 17,934,000 | 18,390,000 | 18,614,000 |
| Risk-weighted assets | 112,655,000 | 114,645,000 | 111,457,000 | 116,956,000 |