Call reports 2003
CHARLES RIVER BANK — 2003
What CHARLES RIVER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 107,550,000 | 108,847,000 | 114,325,000 | 115,282,000 |
| Total loans | 74,640,000 | 77,181,000 | 76,793,000 | 74,608,000 |
| Allowance for loan losses | 702,000 | 702,000 | 702,000 | 702,000 |
| Securities available for sale | 21,706,000 | 19,802,000 | 20,985,000 | 23,339,000 |
| Securities held to maturity | 570,000 | 484,000 | 415,000 | 368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,370,000 | 93,720,000 | 95,675,000 | 96,667,000 |
| Interest-bearing deposits | 86,002,000 | 86,661,000 | 88,338,000 | 88,758,000 |
| Noninterest-bearing deposits | 6,368,000 | 7,059,000 | 7,337,000 | 7,909,000 |
| Equity capital | 9,853,000 | 10,082,000 | 10,394,000 | 10,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,353,000 | 2,741,000 | 4,171,000 | 5,533,000 |
| Interest expense | 506,000 | 983,000 | 1,459,000 | 1,937,000 |
| Net interest income | 847,000 | 1,758,000 | 2,712,000 | 3,596,000 |
| Noninterest income | 119,000 | 324,000 | 570,000 | 753,000 |
| Noninterest expense | 622,000 | 1,305,000 | 1,990,000 | 2,744,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 344,000 | 804,000 | 1,319,000 | 1,632,000 |
| Income tax | 132,000 | 307,000 | 496,000 | 606,000 |
| Net income | 212,000 | 497,000 | 823,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,571,000 | 9,853,000 | 10,174,000 | 10,376,000 |
| Total capital | 10,342,000 | 10,619,000 | 10,940,000 | 11,155,000 |
| Risk-weighted assets | 60,519,000 | 62,070,000 | 62,980,000 | 63,607,000 |
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