Call reports 2007
CAPE ANN SAVINGS BANK — 2007
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 368,515,000 | 375,105,000 | 380,348,000 | 379,333,000 |
| Total loans | 190,745,000 | 192,847,000 | 197,279,000 | 197,982,000 |
| Allowance for loan losses | 1,038,000 | 1,044,000 | 1,025,000 | 1,032,000 |
| Securities available for sale | 44,961,000 | 47,803,000 | 49,155,000 | 47,116,000 |
| Securities held to maturity | 66,452,000 | 83,299,000 | 76,999,000 | 68,696,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,699,000 | 263,828,000 | 266,955,000 | 267,266,000 |
| Interest-bearing deposits | 256,496,000 | 257,863,000 | 259,580,000 | 261,811,000 |
| Noninterest-bearing deposits | 4,203,000 | 5,965,000 | 7,375,000 | 5,455,000 |
| Equity capital | 91,781,000 | 94,191,000 | 95,770,000 | 95,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,348,000 | 8,901,000 | 13,513,000 | 18,096,000 |
| Interest expense | 1,798,000 | 3,773,000 | 5,865,000 | 8,225,000 |
| Net interest income | 2,550,000 | 5,128,000 | 7,648,000 | 9,871,000 |
| Noninterest income | 488,000 | 1,012,000 | 1,543,000 | 2,069,000 |
| Noninterest expense | 2,093,000 | 4,137,000 | 6,077,000 | 8,188,000 |
| Provision for loan losses | 9,000 | 14,000 | 14,000 | 14,000 |
| Pretax income | 1,129,000 | 2,182,000 | 3,293,000 | 3,947,000 |
| Income tax | 364,000 | 685,000 | 1,017,000 | 1,158,000 |
| Net income | 765,000 | 1,497,000 | 2,276,000 | 2,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,499,000 | 72,230,000 | 73,010,000 | 73,523,000 |
| Total capital | 87,988,000 | 89,826,000 | 91,373,000 | 91,029,000 |
| Risk-weighted assets | 181,330,000 | 179,702,000 | 181,749,000 | 183,724,000 |
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