Call reports 2017
CHARLES RIVER BANK — 2017
What CHARLES RIVER BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 233,288,000 | 234,351,000 | 227,894,000 | 234,556,000 |
| Total loans | 173,778,000 | 176,260,000 | 171,660,000 | 173,412,000 |
| Allowance for loan losses | 1,089,000 | 1,102,000 | 1,115,000 | 1,115,000 |
| Securities available for sale | 31,563,000 | 30,727,000 | 29,051,000 | 27,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,061,000 | 194,723,000 | 193,606,000 | 200,883,000 |
| Interest-bearing deposits | 161,891,000 | 161,435,000 | 162,775,000 | 166,863,000 |
| Noninterest-bearing deposits | 34,170,000 | 33,288,000 | 30,831,000 | 34,020,000 |
| Equity capital | 18,890,000 | 19,116,000 | 19,269,000 | 18,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,966,000 | 3,967,000 | 5,981,000 | 7,969,000 |
| Interest expense | 305,000 | 607,000 | 889,000 | 1,165,000 |
| Net interest income | 1,661,000 | 3,360,000 | 5,092,000 | 6,804,000 |
| Noninterest income | 354,000 | 677,000 | 1,048,000 | 1,345,000 |
| Noninterest expense | 1,791,000 | 3,577,000 | 5,410,000 | 7,145,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 46,000 |
| Pretax income | 222,000 | 443,000 | 702,000 | 1,009,000 |
| Income tax | 65,000 | 133,000 | 217,000 | 620,000 |
| Net income | 157,000 | 310,000 | 485,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,003,000 | 19,156,000 | 19,331,000 | 19,235,000 |
| Total capital | 20,118,000 | 20,285,000 | 20,475,000 | 20,379,000 |
| Risk-weighted assets | 149,475,000 | 152,353,000 | 148,310,000 | 153,440,000 |