Call reports 2006
CAPE ANN SAVINGS BANK — 2006
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 346,577,000 | 341,717,000 | 349,797,000 | 360,751,000 |
| Total loans | 183,847,000 | 187,862,000 | 188,743,000 | 191,714,000 |
| Allowance for loan losses | 1,092,000 | 1,093,000 | 1,100,000 | 1,074,000 |
| Securities available for sale | 40,293,000 | 39,219,000 | 42,006,000 | 44,825,000 |
| Securities held to maturity | 79,922,000 | 76,896,000 | 73,897,000 | 71,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,162,000 | 242,044,000 | 246,452,000 | 253,883,000 |
| Interest-bearing deposits | 241,393,000 | 237,297,000 | 242,259,000 | 247,499,000 |
| Noninterest-bearing deposits | 5,769,000 | 4,747,000 | 4,193,000 | 6,384,000 |
| Equity capital | 85,575,000 | 86,215,000 | 88,714,000 | 91,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,925,000 | 7,943,000 | 12,111,000 | 16,367,000 |
| Interest expense | 1,186,000 | 2,414,000 | 3,876,000 | 5,784,000 |
| Net interest income | 2,739,000 | 5,529,000 | 8,235,000 | 10,583,000 |
| Noninterest income | 450,000 | 912,000 | 1,370,000 | 1,901,000 |
| Noninterest expense | 2,000,000 | 3,956,000 | 5,844,000 | 7,796,000 |
| Provision for loan losses | 10,000 | 15,000 | 18,000 | 20,000 |
| Pretax income | 1,179,000 | 2,757,000 | 4,030,000 | 4,952,000 |
| Income tax | 429,000 | 914,000 | 1,333,000 | 1,596,000 |
| Net income | 750,000 | 1,843,000 | 2,697,000 | 3,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,127,000 | 69,221,000 | 70,074,000 | 70,734,000 |
| Total capital | 82,511,000 | 83,260,000 | 85,374,000 | 87,285,000 |
| Risk-weighted assets | 171,188,000 | 171,202,000 | 175,882,000 | 178,419,000 |
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