Call reports 2007
CHARLES RIVER BANK — 2007
What CHARLES RIVER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 142,849,000 | 135,251,000 | 136,558,000 | 136,211,000 |
| Total loans | 97,796,000 | 96,138,000 | 93,411,000 | 92,823,000 |
| Allowance for loan losses | 652,000 | 652,000 | 652,000 | 652,000 |
| Securities available for sale | 31,809,000 | 28,095,000 | 27,164,000 | 30,853,000 |
| Securities held to maturity | 132,000 | 125,000 | 121,000 | 105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,376,000 | 111,443,000 | 110,951,000 | 110,686,000 |
| Interest-bearing deposits | 111,304,000 | 104,485,000 | 105,055,000 | 104,250,000 |
| Noninterest-bearing deposits | 6,072,000 | 6,958,000 | 5,896,000 | 6,436,000 |
| Equity capital | 12,657,000 | 12,629,000 | 12,881,000 | 12,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,964,000 | 3,944,000 | 5,834,000 | 7,762,000 |
| Interest expense | 1,090,000 | 2,118,000 | 3,092,000 | 4,083,000 |
| Net interest income | 874,000 | 1,826,000 | 2,742,000 | 3,679,000 |
| Noninterest income | 148,000 | 306,000 | 471,000 | 632,000 |
| Noninterest expense | 910,000 | 1,884,000 | 2,828,000 | 3,795,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 112,000 | 248,000 | 388,000 | 519,000 |
| Income tax | -3,000 | 10,000 | 27,000 | 43,000 |
| Net income | 115,000 | 238,000 | 361,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,719,000 | 12,842,000 | 12,965,000 | 13,080,000 |
| Total capital | 13,493,000 | 13,616,000 | 13,738,000 | 13,822,000 |
| Risk-weighted assets | 87,547,000 | 82,358,000 | 80,580,000 | 83,780,000 |
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