Call reports 2012
CHARLES RIVER BANK — 2012
What CHARLES RIVER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 192,074,000 | 200,785,000 | 199,845,000 | 207,264,000 |
| Total loans | 115,806,000 | 121,200,000 | 120,891,000 | 122,096,000 |
| Allowance for loan losses | 955,000 | 906,000 | 949,000 | 1,032,000 |
| Securities available for sale | 62,202,000 | 64,419,000 | 63,698,000 | 68,647,000 |
| Securities held to maturity | 48,000 | 44,000 | 42,000 | 41,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,947,000 | 162,246,000 | 166,161,000 | 166,055,000 |
| Interest-bearing deposits | 145,242,000 | 142,559,000 | 145,503,000 | 146,854,000 |
| Noninterest-bearing deposits | 17,705,000 | 19,687,000 | 20,658,000 | 19,201,000 |
| Equity capital | 17,257,000 | 17,815,000 | 18,438,000 | 18,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,796,000 | 3,645,000 | 5,471,000 | 7,226,000 |
| Interest expense | 354,000 | 689,000 | 1,004,000 | 1,303,000 |
| Net interest income | 1,442,000 | 2,956,000 | 4,467,000 | 5,923,000 |
| Noninterest income | 497,000 | 900,000 | 1,598,000 | 2,289,000 |
| Noninterest expense | 1,531,000 | 3,089,000 | 4,757,000 | 6,478,000 |
| Provision for loan losses | 15,000 | 56,000 | 101,000 | 146,000 |
| Pretax income | 599,000 | 925,000 | 1,426,000 | 1,828,000 |
| Income tax | 222,000 | 315,000 | 477,000 | 605,000 |
| Net income | 377,000 | 610,000 | 949,000 | 1,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,659,000 | 15,891,000 | 16,226,000 | 16,508,000 |
| Total capital | 16,653,000 | 16,831,000 | 17,202,000 | 17,563,000 |
| Risk-weighted assets | 100,792,000 | 105,203,000 | 104,832,000 | 106,821,000 |