Call reports 2013
CHARLES RIVER BANK — 2013
What CHARLES RIVER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 212,860,000 | 212,877,000 | 215,342,000 | 213,217,000 |
| Total loans | 130,227,000 | 132,711,000 | 134,221,000 | 133,105,000 |
| Allowance for loan losses | 1,048,000 | 1,062,000 | 1,110,000 | 1,086,000 |
| Securities available for sale | 66,018,000 | 65,785,000 | 66,135,000 | 64,284,000 |
| Securities held to maturity | 36,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,012,000 | 165,398,000 | 169,625,000 | 170,393,000 |
| Interest-bearing deposits | 147,481,000 | 144,807,000 | 145,328,000 | 145,633,000 |
| Noninterest-bearing deposits | 20,531,000 | 20,591,000 | 24,297,000 | 24,760,000 |
| Equity capital | 18,478,000 | 17,242,000 | 17,116,000 | 16,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,784,000 | 3,546,000 | 5,354,000 | 7,205,000 |
| Interest expense | 286,000 | 573,000 | 857,000 | 1,180,000 |
| Net interest income | 1,498,000 | 2,973,000 | 4,497,000 | 6,025,000 |
| Noninterest income | 325,000 | 700,000 | 1,130,000 | 1,571,000 |
| Noninterest expense | 1,620,000 | 3,296,000 | 5,014,000 | 6,821,000 |
| Provision for loan losses | 15,000 | 30,000 | 82,000 | 97,000 |
| Pretax income | 188,000 | 358,000 | 767,000 | 942,000 |
| Income tax | 40,000 | 67,000 | 201,000 | 237,000 |
| Net income | 148,000 | 291,000 | 566,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,656,000 | 16,799,000 | 17,074,000 | 17,213,000 |
| Total capital | 17,726,000 | 17,883,000 | 18,208,000 | 18,323,000 |
| Risk-weighted assets | 111,623,000 | 112,301,000 | 112,942,000 | 112,803,000 |