Call reports 2005
CHARLES RIVER BANK — 2005
What CHARLES RIVER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 122,376,000 | 124,761,000 | 126,425,000 | 128,160,000 |
| Total loans | 80,292,000 | 81,684,000 | 83,927,000 | 86,130,000 |
| Allowance for loan losses | 702,000 | 704,000 | 704,000 | 704,000 |
| Securities available for sale | 31,703,000 | 31,927,000 | 30,143,000 | 28,200,000 |
| Securities held to maturity | 243,000 | 235,000 | 204,000 | 182,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,300,000 | 99,880,000 | 103,204,000 | 106,506,000 |
| Interest-bearing deposits | 94,937,000 | 93,096,000 | 95,934,000 | 100,359,000 |
| Noninterest-bearing deposits | 6,363,000 | 6,784,000 | 7,270,000 | 6,147,000 |
| Equity capital | 11,083,000 | 11,529,000 | 11,581,000 | 11,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,448,000 | 2,952,000 | 4,498,000 | 6,076,000 |
| Interest expense | 463,000 | 956,000 | 1,538,000 | 2,177,000 |
| Net interest income | 985,000 | 1,996,000 | 2,960,000 | 3,899,000 |
| Noninterest income | 100,000 | 252,000 | 392,000 | 558,000 |
| Noninterest expense | 793,000 | 1,597,000 | 2,414,000 | 3,207,000 |
| Provision for loan losses | 0 | 2,000 | 5,000 | 7,000 |
| Pretax income | 292,000 | 649,000 | 933,000 | 1,243,000 |
| Income tax | 96,000 | 210,000 | 292,000 | 369,000 |
| Net income | 196,000 | 439,000 | 641,000 | 874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,325,000 | 11,568,000 | 11,771,000 | 12,016,000 |
| Total capital | 12,103,000 | 12,350,000 | 12,542,000 | 12,798,000 |
| Risk-weighted assets | 68,899,000 | 70,628,000 | 70,638,000 | 72,296,000 |
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