Call reports 2016
CAPE ANN SAVINGS BANK — 2016
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 556,928,000 | 575,868,000 | 592,438,000 | 597,286,000 |
| Total loans | 345,400,000 | 357,336,000 | 357,609,000 | 360,441,000 |
| Allowance for loan losses | 2,850,000 | 3,031,000 | 3,033,000 | 3,033,000 |
| Securities available for sale | 56,273,000 | 59,007,000 | 58,975,000 | 60,311,000 |
| Securities held to maturity | 63,751,000 | 69,559,000 | 72,983,000 | 74,526,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,611,000 | 423,144,000 | 437,742,000 | 440,186,000 |
| Interest-bearing deposits | 392,210,000 | 407,173,000 | 419,879,000 | 421,043,000 |
| Noninterest-bearing deposits | 15,401,000 | 15,971,000 | 17,863,000 | 19,143,000 |
| Equity capital | 127,886,000 | 130,309,000 | 131,134,000 | 132,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,089,000 | 8,313,000 | 12,610,000 | 16,931,000 |
| Interest expense | 820,000 | 1,658,000 | 2,510,000 | 3,542,000 |
| Net interest income | 3,269,000 | 6,655,000 | 10,100,000 | 13,389,000 |
| Noninterest income | 651,000 | 1,571,000 | 2,238,000 | 2,857,000 |
| Noninterest expense | 3,117,000 | 6,160,000 | 9,107,000 | 12,270,000 |
| Provision for loan losses | 25,000 | 205,000 | 205,000 | 205,000 |
| Pretax income | 771,000 | 1,865,000 | 3,032,000 | 3,805,000 |
| Income tax | 164,000 | 480,000 | 813,000 | 961,000 |
| Net income | 607,000 | 1,385,000 | 2,219,000 | 2,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,682,000 | 104,262,000 | 105,137,000 | 106,228,000 |
| Total capital | 125,110,000 | 127,537,000 | 128,408,000 | 130,101,000 |
| Risk-weighted assets | 340,976,000 | 358,166,000 | 362,595,000 | 358,897,000 |