Call reports 2008
CAPE ANN SAVINGS BANK — 2008
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 378,184,000 | 376,401,000 | 378,030,000 | 372,188,000 |
| Total loans | 201,548,000 | 210,334,000 | 222,115,000 | 222,816,000 |
| Allowance for loan losses | 1,033,000 | 1,026,000 | 1,533,000 | 1,619,000 |
| Securities available for sale | 43,620,000 | 41,037,000 | 36,667,000 | 29,910,000 |
| Securities held to maturity | 69,891,000 | 73,450,000 | 67,618,000 | 74,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,797,000 | 269,415,000 | 272,557,000 | 272,835,000 |
| Interest-bearing deposits | 261,558,000 | 264,254,000 | 267,177,000 | 267,860,000 |
| Noninterest-bearing deposits | 7,239,000 | 5,161,000 | 5,380,000 | 4,975,000 |
| Equity capital | 93,850,000 | 92,672,000 | 92,062,000 | 88,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,371,000 | 8,612,000 | 12,862,000 | 16,987,000 |
| Interest expense | 2,095,000 | 4,048,000 | 5,806,000 | 7,660,000 |
| Net interest income | 2,276,000 | 4,564,000 | 7,056,000 | 9,327,000 |
| Noninterest income | 480,000 | 967,000 | 1,426,000 | 1,905,000 |
| Noninterest expense | 1,982,000 | 4,152,000 | 6,294,000 | 8,470,000 |
| Provision for loan losses | 0 | 0 | 515,000 | 614,000 |
| Pretax income | 795,000 | 1,460,000 | 2,869,000 | 3,199,000 |
| Income tax | 212,000 | 372,000 | 808,000 | 838,000 |
| Net income | 583,000 | 1,088,000 | 2,061,000 | 2,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,106,000 | 74,612,000 | 75,584,000 | 75,884,000 |
| Total capital | 90,084,000 | 89,300,000 | 89,574,000 | 87,269,000 |
| Risk-weighted assets | 178,816,000 | 177,864,000 | 178,893,000 | 174,362,000 |
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