Call reports 2019
CAPE ANN SAVINGS BANK — 2019
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 658,456,000 | 659,610,000 | 676,529,000 | 683,203,000 |
| Total loans | 413,042,000 | 415,557,000 | 428,233,000 | 431,733,000 |
| Allowance for loan losses | 3,410,000 | 3,411,000 | 3,410,000 | 3,724,000 |
| Securities available for sale | 88,354,000 | 92,178,000 | 112,140,000 | 105,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,795,000 | 479,259,000 | 494,766,000 | 496,858,000 |
| Interest-bearing deposits | 440,256,000 | 454,759,000 | 469,261,000 | 473,513,000 |
| Noninterest-bearing deposits | 43,539,000 | 24,500,000 | 25,505,000 | 23,345,000 |
| Equity capital | 152,218,000 | 155,585,000 | 157,074,000 | 160,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,566,000 | 11,274,000 | 17,105,000 | 22,889,000 |
| Interest expense | 1,196,000 | 2,549,000 | 4,106,000 | 5,981,000 |
| Net interest income | 4,370,000 | 8,725,000 | 12,999,000 | 16,908,000 |
| Noninterest income | 753,000 | 1,553,000 | 2,320,000 | 3,121,000 |
| Noninterest expense | 3,476,000 | 6,800,000 | 10,200,000 | 13,984,000 |
| Provision for loan losses | 0 | 0 | 0 | 313,000 |
| Pretax income | 6,864,000 | 10,430,000 | 11,780,000 | 16,808,000 |
| Income tax | 1,861,000 | 2,775,000 | 3,072,000 | 4,382,000 |
| Net income | 5,003,000 | 7,655,000 | 8,708,000 | 12,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 155,346,000 | 158,044,000 | 159,143,000 | 162,906,000 |
| Total capital | 158,756,000 | 161,455,000 | 162,553,000 | 166,630,000 |
| Risk-weighted assets | 389,231,000 | 394,943,000 | 402,437,000 | 504,643,000 |