Call reports 2011
CAPE ANN SAVINGS BANK — 2011
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 421,501,000 | 422,328,000 | 415,906,000 | 425,358,000 |
| Total loans | 223,237,000 | 223,224,000 | 220,645,000 | 222,672,000 |
| Allowance for loan losses | 2,083,000 | 2,008,000 | 1,963,000 | 1,977,000 |
| Securities available for sale | 38,567,000 | 38,604,000 | 35,565,000 | 39,747,000 |
| Securities held to maturity | 95,694,000 | 94,167,000 | 90,663,000 | 90,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,042,000 | 310,809,000 | 308,469,000 | 313,207,000 |
| Interest-bearing deposits | 303,420,000 | 303,260,000 | 302,052,000 | 305,835,000 |
| Noninterest-bearing deposits | 6,622,000 | 7,549,000 | 6,417,000 | 7,372,000 |
| Equity capital | 96,990,000 | 97,631,000 | 95,310,000 | 98,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,347,000 | 6,794,000 | 10,147,000 | 13,488,000 |
| Interest expense | 1,007,000 | 1,984,000 | 2,933,000 | 4,020,000 |
| Net interest income | 2,340,000 | 4,810,000 | 7,214,000 | 9,468,000 |
| Noninterest income | 639,000 | 1,191,000 | 1,765,000 | 2,435,000 |
| Noninterest expense | 2,224,000 | 4,376,000 | 6,501,000 | 8,831,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 755,000 | 1,625,000 | 2,443,000 | 3,035,000 |
| Income tax | 192,000 | 443,000 | 678,000 | 802,000 |
| Net income | 563,000 | 1,182,000 | 1,765,000 | 2,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,486,000 | 82,106,000 | 82,688,000 | 83,191,000 |
| Total capital | 95,969,000 | 96,530,000 | 94,856,000 | 97,255,000 |
| Risk-weighted assets | 195,150,000 | 196,965,000 | 195,498,000 | 199,121,000 |