Call reports 2025
CHARLES RIVER BANK — 2025
What CHARLES RIVER BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 312,446,000 | 319,737,000 | 325,397,000 | 321,998,000 |
| Total loans | 229,015,000 | 234,444,000 | 236,382,000 | 233,054,000 |
| Allowance for loan losses | 1,492,000 | 1,516,000 | 1,507,000 | 1,514,000 |
| Securities available for sale | 50,139,000 | 49,362,000 | 48,772,000 | 47,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,785,000 | 298,445,000 | 303,008,000 | 298,687,000 |
| Interest-bearing deposits | 229,831,000 | 234,615,000 | 236,991,000 | 235,537,000 |
| Noninterest-bearing deposits | 61,954,000 | 63,830,000 | 66,017,000 | 63,150,000 |
| Equity capital | 18,850,000 | 19,411,000 | 20,360,000 | 21,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,330,000 | 6,832,000 | 10,552,000 | 14,340,000 |
| Interest expense | 1,168,000 | 2,331,000 | 3,541,000 | 4,726,000 |
| Net interest income | 2,162,000 | 4,501,000 | 7,011,000 | 9,614,000 |
| Noninterest income | 311,000 | 729,000 | 1,066,000 | 1,399,000 |
| Noninterest expense | 2,327,000 | 4,675,000 | 7,031,000 | 9,511,000 |
| Provision for loan losses | 10,000 | 33,000 | 33,000 | 43,000 |
| Pretax income | 136,000 | 522,000 | 939,000 | 1,385,000 |
| Income tax | 23,000 | 114,000 | 213,000 | 322,000 |
| Net income | 113,000 | 408,000 | 726,000 | 1,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,423,000 | 25,719,000 | 26,037,000 | 26,375,000 |
| Total capital | 27,037,000 | 27,357,000 | 27,666,000 | 28,010,000 |
| Risk-weighted assets | 216,909,000 | 220,766,000 | 220,052,000 | 218,177,000 |