Call reports 2015
CHARLES RIVER BANK — 2015
What CHARLES RIVER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 219,654,000 | 221,266,000 | 222,056,000 | 221,869,000 |
| Total loans | 144,002,000 | 143,320,000 | 151,435,000 | 154,264,000 |
| Allowance for loan losses | 1,136,000 | 1,023,000 | 1,043,000 | 1,043,000 |
| Securities available for sale | 59,949,000 | 61,328,000 | 53,739,000 | 48,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,196,000 | 182,828,000 | 181,585,000 | 186,183,000 |
| Interest-bearing deposits | 157,527,000 | 153,518,000 | 151,861,000 | 155,281,000 |
| Noninterest-bearing deposits | 25,669,000 | 29,310,000 | 29,724,000 | 30,902,000 |
| Equity capital | 18,402,000 | 18,009,000 | 18,665,000 | 18,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,807,000 | 3,586,000 | 5,417,000 | 7,255,000 |
| Interest expense | 297,000 | 597,000 | 897,000 | 1,191,000 |
| Net interest income | 1,510,000 | 2,989,000 | 4,520,000 | 6,064,000 |
| Noninterest income | 329,000 | 694,000 | 1,605,000 | 1,949,000 |
| Noninterest expense | 1,790,000 | 3,592,000 | 5,409,000 | 7,229,000 |
| Provision for loan losses | 1,000 | 2,000 | 82,000 | 82,000 |
| Pretax income | 48,000 | 219,000 | 660,000 | 735,000 |
| Income tax | -6,000 | 27,000 | 199,000 | 218,000 |
| Net income | 54,000 | 192,000 | 461,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,736,000 | 17,874,000 | 18,143,000 | 18,199,000 |
| Total capital | 18,890,000 | 18,918,000 | 19,209,000 | 19,264,000 |
| Risk-weighted assets | 122,636,000 | 122,452,000 | 129,792,000 | 130,903,000 |