Call reports 2010
CHARLES RIVER BANK — 2010
What CHARLES RIVER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 184,356,000 | 183,973,000 | 183,244,000 | 184,798,000 |
| Total loans | 110,435,000 | 111,861,000 | 119,370,000 | 124,306,000 |
| Allowance for loan losses | 854,000 | 812,000 | 860,000 | 885,000 |
| Securities available for sale | 57,787,000 | 53,960,000 | 48,521,000 | 45,008,000 |
| Securities held to maturity | 72,000 | 67,000 | 61,000 | 59,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,905,000 | 149,659,000 | 151,516,000 | 156,870,000 |
| Interest-bearing deposits | 139,381,000 | 136,050,000 | 136,897,000 | 140,104,000 |
| Noninterest-bearing deposits | 11,524,000 | 13,609,000 | 14,619,000 | 16,766,000 |
| Equity capital | 14,138,000 | 14,793,000 | 15,508,000 | 15,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,022,000 | 4,074,000 | 6,097,000 | 8,159,000 |
| Interest expense | 598,000 | 1,122,000 | 1,616,000 | 2,060,000 |
| Net interest income | 1,424,000 | 2,952,000 | 4,481,000 | 6,099,000 |
| Noninterest income | 181,000 | 369,000 | 537,000 | 1,031,000 |
| Noninterest expense | 1,315,000 | 2,785,000 | 4,235,000 | 5,791,000 |
| Provision for loan losses | 1,000 | 4,000 | 54,000 | 105,000 |
| Pretax income | 289,000 | 563,000 | 881,000 | 1,394,000 |
| Income tax | 76,000 | 121,000 | 216,000 | 385,000 |
| Net income | 213,000 | 442,000 | 665,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,529,000 | 13,643,000 | 13,929,000 | 14,274,000 |
| Total capital | 14,383,000 | 14,455,000 | 14,789,000 | 15,186,000 |
| Risk-weighted assets | 105,355,000 | 103,757,000 | 104,281,000 | 106,288,000 |