Call reports 2009
CHARLES RIVER BANK — 2009
What CHARLES RIVER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 175,955,000 | 185,002,000 | 185,935,000 | 184,074,000 |
| Total loans | 103,915,000 | 106,536,000 | 107,023,000 | 106,490,000 |
| Allowance for loan losses | 801,000 | 756,000 | 756,000 | 855,000 |
| Securities available for sale | 56,132,000 | 64,341,000 | 65,517,000 | 59,636,000 |
| Securities held to maturity | 80,000 | 78,000 | 77,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,700,000 | 149,146,000 | 148,442,000 | 155,141,000 |
| Interest-bearing deposits | 133,282,000 | 136,372,000 | 137,192,000 | 141,629,000 |
| Noninterest-bearing deposits | 7,418,000 | 12,774,000 | 11,250,000 | 13,512,000 |
| Equity capital | 11,725,000 | 12,359,000 | 13,781,000 | 13,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,147,000 | 4,263,000 | 6,372,000 | 8,465,000 |
| Interest expense | 920,000 | 1,821,000 | 2,673,000 | 3,427,000 |
| Net interest income | 1,227,000 | 2,442,000 | 3,699,000 | 5,038,000 |
| Noninterest income | 302,000 | 676,000 | 946,000 | 1,244,000 |
| Noninterest expense | 1,126,000 | 2,566,000 | 3,948,000 | 5,592,000 |
| Provision for loan losses | 1,000 | 2,000 | 3,000 | 103,000 |
| Pretax income | 621,000 | 925,000 | 1,069,000 | 1,113,000 |
| Income tax | 200,000 | 280,000 | 301,000 | 290,000 |
| Net income | 421,000 | 645,000 | 768,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,993,000 | 12,782,000 | 13,208,000 | 13,244,000 |
| Total capital | 12,794,000 | 13,538,000 | 13,964,000 | 14,099,000 |
| Risk-weighted assets | 96,754,000 | 101,158,000 | 101,796,000 | 101,766,000 |
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