Call reports 2006
CHARLES RIVER BANK — 2006
What CHARLES RIVER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 126,904,000 | 130,726,000 | 139,378,000 | 146,203,000 |
| Total loans | 86,124,000 | 91,332,000 | 94,173,000 | 97,090,000 |
| Allowance for loan losses | 654,000 | 654,000 | 654,000 | 655,000 |
| Securities available for sale | 30,285,000 | 29,390,000 | 35,163,000 | 36,024,000 |
| Securities held to maturity | 172,000 | 163,000 | 156,000 | 142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,490,000 | 106,506,000 | 108,914,000 | 113,407,000 |
| Interest-bearing deposits | 100,306,000 | 100,046,000 | 103,162,000 | 107,643,000 |
| Noninterest-bearing deposits | 6,184,000 | 6,460,000 | 5,752,000 | 5,764,000 |
| Equity capital | 11,800,000 | 11,893,000 | 12,379,000 | 12,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,622,000 | 3,314,000 | 5,154,000 | 7,089,000 |
| Interest expense | 661,000 | 1,387,000 | 2,278,000 | 3,345,000 |
| Net interest income | 961,000 | 1,927,000 | 2,876,000 | 3,744,000 |
| Noninterest income | 142,000 | 282,000 | 421,000 | 576,000 |
| Noninterest expense | 871,000 | 1,742,000 | 2,604,000 | 3,598,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 232,000 | 467,000 | 693,000 | 720,000 |
| Income tax | 63,000 | 118,000 | 167,000 | 132,000 |
| Net income | 169,000 | 349,000 | 526,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,185,000 | 12,365,000 | 12,542,000 | 12,604,000 |
| Total capital | 12,962,000 | 13,137,000 | 13,326,000 | 13,390,000 |
| Risk-weighted assets | 73,536,000 | 78,069,000 | 86,081,000 | 90,412,000 |
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