Call reports 2019
CHARLES RIVER BANK — 2019
What CHARLES RIVER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 244,940,000 | 253,228,000 | 251,824,000 | 256,886,000 |
| Total loans | 175,902,000 | 175,086,000 | 176,352,000 | 174,253,000 |
| Allowance for loan losses | 1,126,000 | 1,121,000 | 1,131,000 | 1,139,000 |
| Securities available for sale | 21,953,000 | 26,939,000 | 30,350,000 | 41,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,361,000 | 214,182,000 | 212,331,000 | 220,281,000 |
| Interest-bearing deposits | 168,167,000 | 172,496,000 | 173,008,000 | 178,112,000 |
| Noninterest-bearing deposits | 35,194,000 | 41,686,000 | 39,323,000 | 42,169,000 |
| Equity capital | 19,629,000 | 20,177,000 | 20,515,000 | 20,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,227,000 | 4,558,000 | 6,834,000 | 9,128,000 |
| Interest expense | 462,000 | 946,000 | 1,456,000 | 1,980,000 |
| Net interest income | 1,765,000 | 3,612,000 | 5,378,000 | 7,148,000 |
| Noninterest income | 288,000 | 616,000 | 1,029,000 | 1,437,000 |
| Noninterest expense | 1,865,000 | 3,719,000 | 5,602,000 | 7,591,000 |
| Provision for loan losses | 12,000 | 19,000 | 34,000 | 49,000 |
| Pretax income | 176,000 | 490,000 | 771,000 | 945,000 |
| Income tax | 30,000 | 106,000 | 171,000 | 207,000 |
| Net income | 146,000 | 384,000 | 600,000 | 738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,910,000 | 20,148,000 | 20,363,000 | 20,502,000 |
| Total capital | 21,065,000 | 21,304,000 | 21,531,000 | 21,679,000 |
| Risk-weighted assets | 156,554,000 | 156,016,000 | 156,684,000 | 158,561,000 |