Call reports 2016
CHARLES RIVER BANK — 2016
What CHARLES RIVER BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 228,166,000 | 229,110,000 | 230,507,000 | 234,759,000 |
| Total loans | 156,387,000 | 158,645,000 | 161,366,000 | 171,503,000 |
| Allowance for loan losses | 1,043,000 | 1,040,000 | 1,043,000 | 1,076,000 |
| Securities available for sale | 47,826,000 | 44,851,000 | 40,593,000 | 35,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,792,000 | 182,077,000 | 190,660,000 | 194,833,000 |
| Interest-bearing deposits | 146,566,000 | 150,189,000 | 157,938,000 | 161,960,000 |
| Noninterest-bearing deposits | 30,226,000 | 31,888,000 | 32,722,000 | 32,873,000 |
| Equity capital | 19,006,000 | 19,284,000 | 19,396,000 | 18,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,853,000 | 3,745,000 | 5,635,000 | 7,648,000 |
| Interest expense | 279,000 | 578,000 | 877,000 | 1,179,000 |
| Net interest income | 1,574,000 | 3,167,000 | 4,758,000 | 6,469,000 |
| Noninterest income | 460,000 | 846,000 | 1,223,000 | 1,514,000 |
| Noninterest expense | 1,753,000 | 3,533,000 | 5,230,000 | 7,031,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 38,000 |
| Pretax income | 281,000 | 480,000 | 772,000 | 932,000 |
| Income tax | 89,000 | 148,000 | 241,000 | 285,000 |
| Net income | 192,000 | 332,000 | 531,000 | 647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,391,000 | 18,530,000 | 18,730,000 | 18,846,000 |
| Total capital | 19,455,000 | 19,595,000 | 19,796,000 | 19,946,000 |
| Risk-weighted assets | 134,380,000 | 135,818,000 | 140,919,000 | 147,008,000 |