Call reports 2014
CHARLES RIVER BANK — 2014
What CHARLES RIVER BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 216,431,000 | 215,736,000 | 216,808,000 | 216,281,000 |
| Total loans | 138,526,000 | 141,281,000 | 143,488,000 | 145,162,000 |
| Allowance for loan losses | 1,097,000 | 1,114,000 | 1,134,000 | 1,134,000 |
| Securities available for sale | 62,346,000 | 59,464,000 | 58,083,000 | 53,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,598,000 | 172,461,000 | 176,602,000 | 174,465,000 |
| Interest-bearing deposits | 149,358,000 | 147,646,000 | 151,657,000 | 149,988,000 |
| Noninterest-bearing deposits | 24,240,000 | 24,815,000 | 24,945,000 | 24,477,000 |
| Equity capital | 17,254,000 | 17,796,000 | 17,725,000 | 18,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,795,000 | 3,625,000 | 5,471,000 | 7,295,000 |
| Interest expense | 283,000 | 582,000 | 883,000 | 1,189,000 |
| Net interest income | 1,512,000 | 3,043,000 | 4,588,000 | 6,106,000 |
| Noninterest income | 319,000 | 663,000 | 1,060,000 | 1,378,000 |
| Noninterest expense | 1,716,000 | 3,514,000 | 5,376,000 | 7,288,000 |
| Provision for loan losses | 17,000 | 32,000 | 47,000 | 48,000 |
| Pretax income | 259,000 | 455,000 | 632,000 | 573,000 |
| Income tax | 70,000 | 109,000 | 148,000 | 104,000 |
| Net income | 189,000 | 346,000 | 484,000 | 469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,402,000 | 17,559,000 | 17,697,000 | 17,682,000 |
| Total capital | 18,526,000 | 18,699,000 | 18,851,000 | 18,835,000 |
| Risk-weighted assets | 117,823,000 | 118,459,000 | 121,924,000 | 122,528,000 |