Call reports 2009
CAPE ANN SAVINGS BANK — 2009
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 372,731,000 | 379,625,000 | 397,073,000 | 406,211,000 |
| Total loans | 221,904,000 | 220,722,000 | 225,778,000 | 227,996,000 |
| Allowance for loan losses | 1,694,000 | 1,745,000 | 1,717,000 | 1,868,000 |
| Securities available for sale | 25,141,000 | 28,096,000 | 31,078,000 | 33,255,000 |
| Securities held to maturity | 76,687,000 | 72,740,000 | 79,913,000 | 82,206,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,194,000 | 280,828,000 | 294,479,000 | 301,809,000 |
| Interest-bearing deposits | 271,971,000 | 274,910,000 | 289,133,000 | 296,834,000 |
| Noninterest-bearing deposits | 4,223,000 | 5,918,000 | 5,346,000 | 4,975,000 |
| Equity capital | 85,681,000 | 87,682,000 | 90,041,000 | 91,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,994,000 | 7,833,000 | 11,523,000 | 15,195,000 |
| Interest expense | 1,527,000 | 3,027,000 | 4,417,000 | 5,923,000 |
| Net interest income | 2,467,000 | 4,806,000 | 7,106,000 | 9,272,000 |
| Noninterest income | 483,000 | 991,000 | 1,484,000 | 2,019,000 |
| Noninterest expense | 2,183,000 | 4,449,000 | 6,671,000 | 9,078,000 |
| Provision for loan losses | 147,000 | 197,000 | 197,000 | 375,000 |
| Pretax income | 1,663,000 | 2,250,000 | 3,135,000 | 4,383,000 |
| Income tax | 576,000 | 713,000 | 1,030,000 | 1,391,000 |
| Net income | 1,087,000 | 1,537,000 | 2,105,000 | 2,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,971,000 | 77,421,000 | 77,988,000 | 78,875,000 |
| Total capital | 86,176,000 | 87,859,000 | 89,763,000 | 91,237,000 |
| Risk-weighted assets | 175,256,000 | 177,799,000 | 185,497,000 | 193,039,000 |
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