Call reports 2005
CAPE ANN SAVINGS BANK — 2005
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 339,734,000 | 346,229,000 | 350,543,000 | 355,032,000 |
| Total loans | 170,918,000 | 175,316,000 | 178,736,000 | 179,245,000 |
| Allowance for loan losses | 1,072,000 | 1,072,000 | 1,084,000 | 1,081,000 |
| Securities available for sale | 42,556,000 | 42,266,000 | 38,011,000 | 38,386,000 |
| Securities held to maturity | 84,384,000 | 82,878,000 | 76,626,000 | 80,945,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,636,000 | 252,663,000 | 255,297,000 | 258,521,000 |
| Interest-bearing deposits | 241,972,000 | 247,826,000 | 249,255,000 | 247,106,000 |
| Noninterest-bearing deposits | 4,664,000 | 4,837,000 | 6,042,000 | 11,415,000 |
| Equity capital | 80,842,000 | 81,548,000 | 82,848,000 | 83,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,431,000 | 7,029,000 | 10,798,000 | 14,720,000 |
| Interest expense | 751,000 | 1,587,000 | 2,675,000 | 4,067,000 |
| Net interest income | 2,680,000 | 5,442,000 | 8,123,000 | 10,653,000 |
| Noninterest income | 351,000 | 810,000 | 1,268,000 | 1,830,000 |
| Noninterest expense | 1,866,000 | 3,715,000 | 5,571,000 | 7,741,000 |
| Provision for loan losses | 9,000 | 11,000 | 25,000 | 33,000 |
| Pretax income | 1,156,000 | 2,526,000 | 3,795,000 | 4,709,000 |
| Income tax | 406,000 | 898,000 | 1,308,000 | 1,591,000 |
| Net income | 750,000 | 1,628,000 | 2,487,000 | 3,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,010,000 | 65,888,000 | 66,747,000 | 67,378,000 |
| Total capital | 78,142,000 | 78,889,000 | 80,096,000 | 80,893,000 |
| Risk-weighted assets | 169,555,000 | 179,340,000 | 174,187,000 | 170,778,000 |
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