Call reports 2012
CAPE ANN SAVINGS BANK — 2012
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 436,108,000 | 441,872,000 | 443,268,000 | 446,087,000 |
| Total loans | 222,803,000 | 224,768,000 | 226,500,000 | 235,354,000 |
| Allowance for loan losses | 1,966,000 | 1,943,000 | 1,954,000 | 2,077,000 |
| Securities available for sale | 42,665,000 | 42,301,000 | 43,883,000 | 42,804,000 |
| Securities held to maturity | 91,593,000 | 92,639,000 | 87,830,000 | 89,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,378,000 | 326,158,000 | 325,283,000 | 328,970,000 |
| Interest-bearing deposits | 314,230,000 | 318,434,000 | 317,349,000 | 320,655,000 |
| Noninterest-bearing deposits | 6,148,000 | 7,724,000 | 7,934,000 | 8,315,000 |
| Equity capital | 100,371,000 | 100,554,000 | 101,447,000 | 101,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,218,000 | 6,417,000 | 9,601,000 | 12,818,000 |
| Interest expense | 921,000 | 1,833,000 | 2,728,000 | 3,665,000 |
| Net interest income | 2,297,000 | 4,584,000 | 6,873,000 | 9,153,000 |
| Noninterest income | 601,000 | 1,184,000 | 1,771,000 | 2,387,000 |
| Noninterest expense | 2,153,000 | 4,480,000 | 6,637,000 | 9,043,000 |
| Provision for loan losses | 0 | 51,000 | 76,000 | 228,000 |
| Pretax income | 745,000 | 1,237,000 | 1,931,000 | 2,474,000 |
| Income tax | 199,000 | 292,000 | 453,000 | 560,000 |
| Net income | 546,000 | 945,000 | 1,478,000 | 1,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,738,000 | 84,136,000 | 84,670,000 | 85,106,000 |
| Total capital | 99,044,000 | 99,314,000 | 100,574,000 | 100,556,000 |
| Risk-weighted assets | 205,501,000 | 206,558,000 | 208,732,000 | 212,728,000 |