Call reports 2020
CAPE ANN SAVINGS BANK — 2020
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 685,320,000 | 727,221,000 | 747,829,000 | 775,144,000 |
| Total loans | 436,357,000 | 456,876,000 | 457,420,000 | 467,470,000 |
| Allowance for loan losses | 3,702,000 | 3,704,000 | 4,280,000 | 4,425,000 |
| Securities available for sale | 102,249,000 | 98,938,000 | 103,757,000 | 101,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 505,809,000 | 539,829,000 | 557,914,000 | 579,683,000 |
| Interest-bearing deposits | 479,139,000 | 504,600,000 | 521,811,000 | 546,320,000 |
| Noninterest-bearing deposits | 26,670,000 | 35,229,000 | 36,103,000 | 33,363,000 |
| Equity capital | 153,037,000 | 160,018,000 | 163,141,000 | 167,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,927,000 | 11,768,000 | 17,593,000 | 23,251,000 |
| Interest expense | 1,549,000 | 3,046,000 | 4,429,000 | 5,916,000 |
| Net interest income | 4,378,000 | 8,722,000 | 13,164,000 | 17,335,000 |
| Noninterest income | 759,000 | 1,527,000 | 2,297,000 | 3,158,000 |
| Noninterest expense | 3,667,000 | 7,032,000 | 10,643,000 | 14,818,000 |
| Provision for loan losses | 0 | 0 | 571,000 | 732,000 |
| Pretax income | -13,215,000 | -3,581,000 | 874,000 | 7,743,000 |
| Income tax | -3,807,000 | -1,185,000 | -11,000 | 1,831,000 |
| Net income | -9,408,000 | -2,396,000 | 885,000 | 5,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 153,544,000 | 160,601,000 | 163,928,000 | 169,002,000 |
| Total capital | 157,246,000 | 164,305,000 | 168,208,000 | 173,427,000 |
| Risk-weighted assets | 467,259,000 | 487,026,000 | 503,215,000 | 535,064,000 |