Call reports 2010
CAPE ANN SAVINGS BANK — 2010
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 409,767,000 | 412,471,000 | 416,282,000 | 421,220,000 |
| Total loans | 225,588,000 | 226,530,000 | 226,316,000 | 223,557,000 |
| Allowance for loan losses | 1,865,000 | 1,866,000 | 2,081,000 | 2,083,000 |
| Securities available for sale | 34,078,000 | 29,955,000 | 33,827,000 | 36,430,000 |
| Securities held to maturity | 87,026,000 | 82,399,000 | 83,674,000 | 86,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,576,000 | 310,129,000 | 310,636,000 | 312,727,000 |
| Interest-bearing deposits | 298,539,000 | 303,676,000 | 304,355,000 | 305,230,000 |
| Noninterest-bearing deposits | 5,037,000 | 6,453,000 | 6,281,000 | 7,497,000 |
| Equity capital | 93,017,000 | 91,147,000 | 93,248,000 | 95,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,570,000 | 7,149,000 | 10,542,000 | 13,867,000 |
| Interest expense | 1,204,000 | 2,395,000 | 3,538,000 | 4,790,000 |
| Net interest income | 2,366,000 | 4,754,000 | 7,004,000 | 9,077,000 |
| Noninterest income | 539,000 | 1,090,000 | 1,690,000 | 2,305,000 |
| Noninterest expense | 2,152,000 | 4,310,000 | 6,456,000 | 8,712,000 |
| Provision for loan losses | 0 | 0 | 221,000 | 221,000 |
| Pretax income | 1,051,000 | 1,872,000 | 2,543,000 | 2,975,000 |
| Income tax | 362,000 | 618,000 | 821,000 | 927,000 |
| Net income | 689,000 | 1,254,000 | 1,722,000 | 2,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,564,000 | 80,129,000 | 80,596,000 | 80,923,000 |
| Total capital | 92,306,000 | 91,017,000 | 92,944,000 | 94,444,000 |
| Risk-weighted assets | 192,544,000 | 192,167,000 | 195,649,000 | 197,642,000 |
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