Call reports 2017
RARITAN STATE BANK — 2017
What RARITAN STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 164,322,000 | 169,392,000 | 168,158,000 | 166,408,000 |
| Total loans | 123,289,000 | 124,562,000 | 128,143,000 | 131,108,000 |
| Allowance for loan losses | 1,424,000 | 1,418,000 | 1,459,000 | 1,393,000 |
| Securities available for sale | 29,494,000 | 31,737,000 | 30,931,000 | 27,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,597,000 | 150,261,000 | 143,989,000 | 143,687,000 |
| Interest-bearing deposits | 121,922,000 | 120,963,000 | 120,906,000 | 119,726,000 |
| Noninterest-bearing deposits | 23,675,000 | 29,298,000 | 23,083,000 | 23,961,000 |
| Equity capital | 18,546,000 | 18,959,000 | 19,173,000 | 18,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,674,000 | 3,346,000 | 5,142,000 | 6,936,000 |
| Interest expense | 214,000 | 435,000 | 664,000 | 907,000 |
| Net interest income | 1,460,000 | 2,911,000 | 4,478,000 | 6,029,000 |
| Noninterest income | 127,000 | 260,000 | 309,000 | 408,000 |
| Noninterest expense | 876,000 | 1,812,000 | 2,726,000 | 3,708,000 |
| Provision for loan losses | 0 | 160,000 | 295,000 | 497,000 |
| Pretax income | 711,000 | 1,167,000 | 1,714,000 | 2,185,000 |
| Income tax | 259,000 | 424,000 | 623,000 | 1,002,000 |
| Net income | 452,000 | 743,000 | 1,091,000 | 1,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,831,000 | 19,051,000 | 19,303,000 | 18,336,000 |
| Total capital | 20,255,000 | 20,469,000 | 20,762,000 | 19,730,000 |
| Risk-weighted assets | 114,381,000 | 116,521,000 | 118,913,000 | 120,135,000 |