Call reports 2011
CHARLES RIVER BANK — 2011
What CHARLES RIVER BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 182,589,000 | 186,574,000 | 185,331,000 | 187,047,000 |
| Total loans | 121,056,000 | 119,721,000 | 118,259,000 | 117,616,000 |
| Allowance for loan losses | 895,000 | 912,000 | 928,000 | 945,000 |
| Securities available for sale | 46,293,000 | 52,190,000 | 52,004,000 | 55,121,000 |
| Securities held to maturity | 57,000 | 55,000 | 53,000 | 49,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,723,000 | 151,363,000 | 156,697,000 | 156,104,000 |
| Interest-bearing deposits | 140,486,000 | 136,406,000 | 139,934,000 | 141,595,000 |
| Noninterest-bearing deposits | 16,237,000 | 14,957,000 | 16,762,000 | 14,509,000 |
| Equity capital | 15,430,000 | 16,241,000 | 16,898,000 | 17,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,913,000 | 3,842,000 | 5,747,000 | 7,593,000 |
| Interest expense | 416,000 | 818,000 | 1,194,000 | 1,563,000 |
| Net interest income | 1,497,000 | 3,024,000 | 4,553,000 | 6,030,000 |
| Noninterest income | 292,000 | 551,000 | 827,000 | 1,383,000 |
| Noninterest expense | 1,438,000 | 2,961,000 | 4,426,000 | 6,080,000 |
| Provision for loan losses | 11,000 | 28,000 | 46,000 | 64,000 |
| Pretax income | 403,000 | 697,000 | 1,070,000 | 1,435,000 |
| Income tax | 118,000 | 201,000 | 318,000 | 424,000 |
| Net income | 285,000 | 496,000 | 752,000 | 1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,559,000 | 14,770,000 | 15,026,000 | 15,285,000 |
| Total capital | 15,488,000 | 15,742,000 | 15,999,000 | 16,262,000 |
| Risk-weighted assets | 103,450,000 | 102,840,000 | 101,260,000 | 102,134,000 |