Call reports 2022
CHARLES RIVER BANK — 2022
What CHARLES RIVER BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 335,978,000 | 328,016,000 | 326,863,000 | 307,961,000 |
| Total loans | 204,046,000 | 212,514,000 | 216,485,000 | 215,270,000 |
| Allowance for loan losses | 1,418,000 | 1,419,000 | 1,463,000 | 1,497,000 |
| Securities available for sale | 70,681,000 | 80,668,000 | 74,615,000 | 65,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,023,000 | 307,174,000 | 308,831,000 | 284,512,000 |
| Interest-bearing deposits | 244,899,000 | 233,549,000 | 234,177,000 | 210,311,000 |
| Noninterest-bearing deposits | 68,124,000 | 73,625,000 | 74,654,000 | 74,201,000 |
| Equity capital | 19,461,000 | 17,306,000 | 14,575,000 | 15,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,435,000 | 4,950,000 | 7,717,000 | 10,531,000 |
| Interest expense | 171,000 | 305,000 | 475,000 | 771,000 |
| Net interest income | 2,264,000 | 4,645,000 | 7,242,000 | 9,760,000 |
| Noninterest income | 293,000 | 595,000 | 904,000 | 1,183,000 |
| Noninterest expense | 2,221,000 | 4,454,000 | 6,749,000 | 9,018,000 |
| Provision for loan losses | 45,000 | 45,000 | 90,000 | 120,000 |
| Pretax income | 291,000 | 741,000 | 1,307,000 | 1,509,000 |
| Income tax | 69,000 | 160,000 | 307,000 | 362,000 |
| Net income | 222,000 | 581,000 | 1,000,000 | 1,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,944,000 | 23,302,000 | 23,721,000 | 23,868,000 |
| Total capital | 24,425,000 | 24,781,000 | 25,244,000 | 25,421,000 |
| Risk-weighted assets | 192,511,000 | 196,336,000 | 199,340,000 | 197,409,000 |