Call reports 2025
RARITAN STATE BANK — 2025
What RARITAN STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 249,255,000 | 249,680,000 | 247,326,000 | 249,367,000 |
| Total loans | 168,747,000 | 173,302,000 | 177,541,000 | 182,044,000 |
| Allowance for loan losses | 1,589,000 | 1,644,000 | 1,678,000 | 1,900,000 |
| Securities available for sale | 55,328,000 | 58,634,000 | 52,935,000 | 47,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,229,000 | 221,087,000 | 218,232,000 | 220,052,000 |
| Interest-bearing deposits | 188,122,000 | 188,505,000 | 184,461,000 | 183,313,000 |
| Noninterest-bearing deposits | 34,107,000 | 32,582,000 | 33,771,000 | 36,739,000 |
| Equity capital | 25,707,000 | 26,330,000 | 27,442,000 | 27,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,139,000 | 6,296,000 | 9,508,000 | 12,932,000 |
| Interest expense | 1,297,000 | 2,555,000 | 3,803,000 | 5,048,000 |
| Net interest income | 1,842,000 | 3,741,000 | 5,705,000 | 7,884,000 |
| Noninterest income | 122,000 | 247,000 | 409,000 | 541,000 |
| Noninterest expense | 1,106,000 | 2,280,000 | 3,492,000 | 4,678,000 |
| Provision for loan losses | 0 | 155,000 | 262,000 | 537,000 |
| Pretax income | 858,000 | 1,553,000 | 2,360,000 | 3,210,000 |
| Income tax | 212,000 | 381,000 | 578,000 | 807,000 |
| Net income | 646,000 | 1,172,000 | 1,782,000 | 2,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,572,000 | 28,060,000 | 28,668,000 | 28,669,000 |