Call reports 2021
CAPE ANN SAVINGS BANK — 2021
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 805,680,000 | 818,600,000 | 834,026,000 | 842,548,000 |
| Total loans | 477,970,000 | 509,270,000 | 526,118,000 | 534,434,000 |
| Allowance for loan losses | 4,561,000 | 4,644,000 | 4,637,000 | 4,916,000 |
| Securities available for sale | 141,053,000 | 149,556,000 | 140,035,000 | 137,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 608,329,000 | 615,620,000 | 632,814,000 | 632,480,000 |
| Interest-bearing deposits | 573,032,000 | 572,412,000 | 579,891,000 | 588,299,000 |
| Noninterest-bearing deposits | 35,297,000 | 43,208,000 | 52,923,000 | 44,181,000 |
| Equity capital | 169,968,000 | 173,191,000 | 172,965,000 | 179,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,497,000 | 11,215,000 | 17,035,000 | 22,809,000 |
| Interest expense | 1,025,000 | 1,935,000 | 2,847,000 | 3,840,000 |
| Net interest income | 4,472,000 | 9,280,000 | 14,188,000 | 18,969,000 |
| Noninterest income | 818,000 | 1,736,000 | 2,601,000 | 3,561,000 |
| Noninterest expense | 4,084,000 | 8,239,000 | 12,428,000 | 18,895,000 |
| Provision for loan losses | 135,000 | 216,000 | 216,000 | 496,000 |
| Pretax income | 6,196,000 | 9,979,000 | 10,064,000 | 18,477,000 |
| Income tax | 1,677,000 | 2,646,000 | 2,577,000 | 4,770,000 |
| Net income | 4,519,000 | 7,333,000 | 7,487,000 | 13,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 173,567,000 | 176,427,000 | 176,627,000 | 182,891,000 |
| Total capital | 178,128,000 | 181,071,000 | 181,264,000 | 187,807,000 |
| Risk-weighted assets | 567,179,000 | 588,068,000 | 601,581,000 | 625,102,000 |