Call reports 2008
CHARLES RIVER BANK — 2008
What CHARLES RIVER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 148,912,000 | 153,175,000 | 160,644,000 | 164,874,000 |
| Total loans | 97,002,000 | 100,210,000 | 104,823,000 | 104,320,000 |
| Allowance for loan losses | 652,000 | 653,000 | 652,000 | 803,000 |
| Securities available for sale | 34,451,000 | 41,076,000 | 39,297,000 | 46,557,000 |
| Securities held to maturity | 104,000 | 102,000 | 96,000 | 84,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,662,000 | 111,544,000 | 123,951,000 | 126,853,000 |
| Interest-bearing deposits | 111,195,000 | 105,213,000 | 118,180,000 | 120,517,000 |
| Noninterest-bearing deposits | 5,467,000 | 6,331,000 | 5,771,000 | 6,336,000 |
| Equity capital | 13,222,000 | 12,661,000 | 11,260,000 | 11,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,987,000 | 4,005,000 | 6,097,000 | 8,202,000 |
| Interest expense | 1,004,000 | 1,990,000 | 2,992,000 | 3,963,000 |
| Net interest income | 983,000 | 2,015,000 | 3,105,000 | 4,239,000 |
| Noninterest income | 190,000 | 360,000 | 528,000 | 684,000 |
| Noninterest expense | 978,000 | 2,010,000 | 3,050,000 | 4,080,000 |
| Provision for loan losses | 0 | 0 | 0 | 102,000 |
| Pretax income | 195,000 | 365,000 | -793,000 | -1,039,000 |
| Income tax | 37,000 | 58,000 | -355,000 | -576,000 |
| Net income | 158,000 | 307,000 | -438,000 | -463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,238,000 | 13,387,000 | 12,642,000 | 12,026,000 |
| Total capital | 13,969,000 | 14,108,000 | 13,345,000 | 12,829,000 |
| Risk-weighted assets | 90,456,000 | 91,675,000 | 96,242,000 | 95,191,000 |
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