Call reports 2015
CAPE ANN SAVINGS BANK — 2015
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 541,588,000 | 541,346,000 | 538,497,000 | 555,291,000 |
| Total loans | 327,857,000 | 332,640,000 | 336,851,000 | 341,990,000 |
| Allowance for loan losses | 3,062,000 | 2,882,000 | 2,883,000 | 2,820,000 |
| Securities available for sale | 58,147,000 | 56,474,000 | 51,342,000 | 55,094,000 |
| Securities held to maturity | 69,982,000 | 69,440,000 | 68,964,000 | 64,777,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,737,000 | 393,586,000 | 393,468,000 | 406,845,000 |
| Interest-bearing deposits | 383,495,000 | 378,188,000 | 379,935,000 | 392,776,000 |
| Noninterest-bearing deposits | 11,242,000 | 15,399,000 | 13,533,000 | 14,069,000 |
| Equity capital | 125,919,000 | 126,391,000 | 124,487,000 | 126,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,800,000 | 7,676,000 | 11,496,000 | 15,491,000 |
| Interest expense | 679,000 | 1,398,000 | 2,117,000 | 3,038,000 |
| Net interest income | 3,121,000 | 6,278,000 | 9,379,000 | 12,453,000 |
| Noninterest income | 644,000 | 1,335,000 | 1,997,000 | 2,669,000 |
| Noninterest expense | 3,158,000 | 6,114,000 | 8,799,000 | 12,012,000 |
| Provision for loan losses | 222,000 | 449,000 | 449,000 | 459,000 |
| Pretax income | 1,457,000 | 2,156,000 | 3,917,000 | 4,458,000 |
| Income tax | 443,000 | 574,000 | 1,157,000 | 1,286,000 |
| Net income | 1,014,000 | 1,582,000 | 2,760,000 | 3,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,660,000 | 100,229,000 | 101,409,000 | 102,032,000 |
| Total capital | 123,141,000 | 122,778,000 | 121,650,000 | 123,900,000 |
| Risk-weighted assets | 351,097,000 | 356,125,000 | 331,771,000 | 339,239,000 |