Call reports 2021
CHARLES RIVER BANK — 2021
What CHARLES RIVER BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 305,244,000 | 313,748,000 | 327,771,000 | 328,960,000 |
| Total loans | 197,108,000 | 198,498,000 | 203,891,000 | 200,752,000 |
| Allowance for loan losses | 1,255,000 | 1,275,000 | 1,325,000 | 1,386,000 |
| Securities available for sale | 48,866,000 | 51,557,000 | 54,364,000 | 64,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,846,000 | 287,699,000 | 301,569,000 | 302,996,000 |
| Interest-bearing deposits | 217,331,000 | 221,274,000 | 228,403,000 | 234,494,000 |
| Noninterest-bearing deposits | 62,515,000 | 66,425,000 | 73,166,000 | 68,502,000 |
| Equity capital | 22,131,000 | 22,806,000 | 22,726,000 | 22,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,321,000 | 4,635,000 | 6,919,000 | 9,242,000 |
| Interest expense | 286,000 | 549,000 | 788,000 | 1,010,000 |
| Net interest income | 2,035,000 | 4,086,000 | 6,131,000 | 8,232,000 |
| Noninterest income | 483,000 | 1,026,000 | 1,407,000 | 1,810,000 |
| Noninterest expense | 2,055,000 | 4,088,000 | 6,150,000 | 8,544,000 |
| Provision for loan losses | 25,000 | 50,000 | 95,000 | 150,000 |
| Pretax income | 438,000 | 974,000 | 1,293,000 | 1,348,000 |
| Income tax | 110,000 | 250,000 | 327,000 | 329,000 |
| Net income | 328,000 | 724,000 | 966,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,028,000 | 22,425,000 | 22,667,000 | 22,721,000 |
| Total capital | 23,334,000 | 23,756,000 | 24,044,000 | 24,155,000 |
| Risk-weighted assets | 176,542,000 | 184,533,000 | 189,307,000 | 186,107,000 |