Call reports 2022
CAPE ANN SAVINGS BANK — 2022
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 839,232,000 | 843,086,000 | 858,460,000 | 927,993,000 |
| Total loans | 537,897,000 | 563,886,000 | 579,912,000 | 613,661,000 |
| Allowance for loan losses | 4,934,000 | 4,983,000 | 5,076,000 | 5,413,000 |
| Securities available for sale | 134,205,000 | 136,489,000 | 128,710,000 | 132,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 635,796,000 | 646,128,000 | 667,953,000 | 715,952,000 |
| Interest-bearing deposits | 593,550,000 | 599,200,000 | 606,687,000 | 653,212,000 |
| Noninterest-bearing deposits | 42,246,000 | 46,928,000 | 61,266,000 | 62,740,000 |
| Equity capital | 174,430,000 | 168,800,000 | 162,608,000 | 175,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,669,000 | 11,670,000 | 18,108,000 | 25,131,000 |
| Interest expense | 742,000 | 1,502,000 | 2,613,000 | 4,223,000 |
| Net interest income | 4,927,000 | 10,168,000 | 15,495,000 | 20,908,000 |
| Noninterest income | 857,000 | 1,722,000 | 2,514,000 | 3,288,000 |
| Noninterest expense | 3,992,000 | 7,868,000 | 11,886,000 | 15,953,000 |
| Provision for loan losses | 17,000 | 64,000 | 153,000 | 491,000 |
| Pretax income | -209,000 | -4,944,000 | -9,150,000 | 2,142,000 |
| Income tax | -132,000 | -1,525,000 | -2,776,000 | 399,000 |
| Net income | -77,000 | -3,419,000 | -6,374,000 | 1,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 182,856,000 | 179,556,000 | 176,644,000 | 184,803,000 |
| Total capital | 187,790,000 | 184,539,000 | 181,720,000 | 190,216,000 |
| Risk-weighted assets | 624,992,000 | 625,883,000 | 617,275,000 | 664,273,000 |