Call reports 2018
CHARLES RIVER BANK — 2018
What CHARLES RIVER BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 234,652,000 | 229,443,000 | 232,767,000 | 236,120,000 |
| Total loans | 177,985,000 | 175,612,000 | 174,554,000 | 175,395,000 |
| Allowance for loan losses | 1,123,000 | 1,121,000 | 1,136,000 | 1,120,000 |
| Securities available for sale | 24,607,000 | 23,776,000 | 22,826,000 | 22,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,236,000 | 185,979,000 | 189,068,000 | 191,980,000 |
| Interest-bearing deposits | 158,094,000 | 153,866,000 | 155,263,000 | 157,146,000 |
| Noninterest-bearing deposits | 33,142,000 | 32,113,000 | 33,805,000 | 34,834,000 |
| Equity capital | 18,836,000 | 18,851,000 | 18,894,000 | 19,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,014,000 | 4,112,000 | 6,298,000 | 8,443,000 |
| Interest expense | 332,000 | 707,000 | 1,103,000 | 1,525,000 |
| Net interest income | 1,682,000 | 3,405,000 | 5,195,000 | 6,918,000 |
| Noninterest income | 303,000 | 612,000 | 959,000 | 1,272,000 |
| Noninterest expense | 1,849,000 | 3,702,000 | 5,588,000 | 7,535,000 |
| Provision for loan losses | 8,000 | 16,000 | 31,000 | 38,000 |
| Pretax income | 109,000 | 280,000 | 516,000 | 598,000 |
| Income tax | 6,000 | 42,000 | 95,000 | 106,000 |
| Net income | 103,000 | 238,000 | 421,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,375,000 | 19,510,000 | 19,693,000 | 19,764,000 |
| Total capital | 20,526,000 | 20,664,000 | 20,860,000 | 20,914,000 |
| Risk-weighted assets | 154,927,000 | 153,102,000 | 152,946,000 | 152,938,000 |