Call reports 2016
RARITAN STATE BANK — 2016
What RARITAN STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 158,722,000 | 166,534,000 | 161,166,000 | 164,163,000 |
| Total loans | 124,866,000 | 122,421,000 | 129,429,000 | 128,860,000 |
| Allowance for loan losses | 1,116,000 | 1,125,000 | 1,194,000 | 1,409,000 |
| Securities available for sale | 22,611,000 | 30,799,000 | 26,410,000 | 27,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,221,000 | 147,840,000 | 142,358,000 | 145,638,000 |
| Interest-bearing deposits | 119,067,000 | 121,940,000 | 121,729,000 | 121,111,000 |
| Noninterest-bearing deposits | 21,154,000 | 25,900,000 | 20,630,000 | 24,527,000 |
| Equity capital | 17,943,000 | 18,367,000 | 18,611,000 | 18,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,762,000 | 3,379,000 | 5,122,000 | 6,860,000 |
| Interest expense | 200,000 | 407,000 | 624,000 | 844,000 |
| Net interest income | 1,562,000 | 2,972,000 | 4,498,000 | 6,016,000 |
| Noninterest income | 133,000 | 429,000 | 561,000 | 701,000 |
| Noninterest expense | 805,000 | 1,685,000 | 2,576,000 | 3,568,000 |
| Provision for loan losses | 20,000 | 65,000 | 215,000 | 445,000 |
| Pretax income | 868,000 | 1,668,000 | 2,302,000 | 2,708,000 |
| Income tax | 307,000 | 646,000 | 861,000 | 1,010,000 |
| Net income | 561,000 | 1,022,000 | 1,441,000 | 1,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,821,000 | 18,027,000 | 18,423,000 | 18,405,000 |
| Total capital | 18,937,000 | 19,152,000 | 19,617,000 | 19,814,000 |
| Risk-weighted assets | 116,126,000 | 117,136,000 | 119,152,000 | 119,515,000 |