Call reports 2013
CAPE ANN SAVINGS BANK — 2013
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 451,791,000 | 455,562,000 | 460,755,000 | 465,023,000 |
| Total loans | 233,583,000 | 244,674,000 | 254,023,000 | 257,781,000 |
| Allowance for loan losses | 2,135,000 | 2,161,000 | 2,305,000 | 2,316,000 |
| Securities available for sale | 47,911,000 | 48,640,000 | 49,101,000 | 54,083,000 |
| Securities held to maturity | 85,213,000 | 86,459,000 | 83,631,000 | 80,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,629,000 | 331,288,000 | 335,315,000 | 334,168,000 |
| Interest-bearing deposits | 321,256,000 | 322,569,000 | 325,475,000 | 326,596,000 |
| Noninterest-bearing deposits | 7,373,000 | 8,719,000 | 9,840,000 | 7,572,000 |
| Equity capital | 105,072,000 | 106,088,000 | 106,876,000 | 110,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,105,000 | 6,236,000 | 9,437,000 | 12,704,000 |
| Interest expense | 729,000 | 1,435,000 | 2,110,000 | 2,886,000 |
| Net interest income | 2,376,000 | 4,801,000 | 7,327,000 | 9,818,000 |
| Noninterest income | 661,000 | 1,295,000 | 1,913,000 | 2,601,000 |
| Noninterest expense | 2,216,000 | 4,481,000 | 6,802,000 | 9,121,000 |
| Provision for loan losses | 25,000 | 75,000 | 240,000 | 325,000 |
| Pretax income | 796,000 | 1,564,000 | 2,236,000 | 3,018,000 |
| Income tax | 217,000 | 403,000 | 560,000 | 760,000 |
| Net income | 579,000 | 1,161,000 | 1,676,000 | 2,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,759,000 | 86,341,000 | 86,857,000 | 87,439,000 |
| Total capital | 103,565,000 | 104,504,000 | 105,371,000 | 108,207,000 |
| Risk-weighted assets | 214,413,000 | 217,591,000 | 222,195,000 | 225,715,000 |