Call reports 2018
CAPE ANN SAVINGS BANK — 2018
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 614,651,000 | 603,898,000 | 625,815,000 | 631,053,000 |
| Total loans | 386,961,000 | 399,363,000 | 408,738,000 | 412,874,000 |
| Allowance for loan losses | 3,034,000 | 3,036,000 | 3,246,000 | 3,409,000 |
| Securities available for sale | 64,190,000 | 156,584,000 | 153,249,000 | 147,572,000 |
| Securities held to maturity | 96,826,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,090,000 | 437,882,000 | 453,936,000 | 461,172,000 |
| Interest-bearing deposits | 428,295,000 | 416,562,000 | 430,356,000 | 435,687,000 |
| Noninterest-bearing deposits | 20,795,000 | 21,320,000 | 23,580,000 | 25,485,000 |
| Equity capital | 151,193,000 | 152,067,000 | 157,028,000 | 146,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,845,000 | 9,896,000 | 15,151,000 | 20,647,000 |
| Interest expense | 924,000 | 1,861,000 | 2,925,000 | 4,514,000 |
| Net interest income | 3,921,000 | 8,035,000 | 12,226,000 | 16,133,000 |
| Noninterest income | 769,000 | 1,649,000 | 2,349,000 | 3,142,000 |
| Noninterest expense | 3,312,000 | 6,440,000 | 9,576,000 | 13,227,000 |
| Provision for loan losses | 0 | 0 | 229,000 | 388,000 |
| Pretax income | 2,440,000 | 7,673,000 | 9,012,000 | 10,147,000 |
| Income tax | 592,000 | 2,007,000 | 2,305,000 | 2,496,000 |
| Net income | 1,848,000 | 5,666,000 | 6,707,000 | 7,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,849,000 | 114,714,000 | 115,799,000 | 116,791,000 |
| Total capital | 136,561,000 | 139,159,000 | 142,946,000 | 141,174,000 |
| Risk-weighted assets | 379,584,000 | 382,459,000 | 387,928,000 | 379,806,000 |