Call reports 2019
RARITAN STATE BANK — 2019
What RARITAN STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 174,838,000 | 179,498,000 | 182,237,000 | 184,027,000 |
| Total loans | 133,928,000 | 134,210,000 | 136,421,000 | 139,458,000 |
| Allowance for loan losses | 1,344,000 | 1,365,000 | 1,290,000 | 1,406,000 |
| Securities available for sale | 33,947,000 | 34,791,000 | 35,994,000 | 35,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,677,000 | 157,716,000 | 159,898,000 | 161,822,000 |
| Interest-bearing deposits | 131,894,000 | 135,550,000 | 140,278,000 | 139,942,000 |
| Noninterest-bearing deposits | 21,783,000 | 22,166,000 | 19,620,000 | 21,880,000 |
| Equity capital | 20,413,000 | 20,884,000 | 21,311,000 | 21,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,836,000 | 3,804,000 | 5,838,000 | 7,835,000 |
| Interest expense | 449,000 | 952,000 | 1,504,000 | 2,061,000 |
| Net interest income | 1,387,000 | 2,852,000 | 4,334,000 | 5,774,000 |
| Noninterest income | 69,000 | 156,000 | 259,000 | 377,000 |
| Noninterest expense | 989,000 | 2,018,000 | 2,966,000 | 3,964,000 |
| Provision for loan losses | 50,000 | 95,000 | 115,000 | 241,000 |
| Pretax income | 417,000 | 895,000 | 1,512,000 | 1,946,000 |
| Income tax | 94,000 | 231,000 | 393,000 | 504,000 |
| Net income | 323,000 | 664,000 | 1,119,000 | 1,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,561,000 | 20,771,000 | 21,139,000 | 21,103,000 |
| Total capital | 21,905,000 | 22,136,000 | 22,429,000 | 22,509,000 |
| Risk-weighted assets | 122,557,000 | 123,130,000 | 126,019,000 | 128,156,000 |