Call reports 2023
CAPE ANN SAVINGS BANK — 2023
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 906,969,000 | 911,348,000 | 918,807,000 | 954,306,000 |
| Total loans | 617,926,000 | 630,283,000 | 653,076,000 | 665,673,000 |
| Allowance for loan losses | 5,414,000 | 5,407,000 | 5,703,000 | 5,871,000 |
| Securities available for sale | 134,160,000 | 132,694,000 | 125,996,000 | 125,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 696,882,000 | 703,013,000 | 714,154,000 | 728,376,000 |
| Interest-bearing deposits | 648,016,000 | 658,069,000 | 658,852,000 | 678,425,000 |
| Noninterest-bearing deposits | 48,866,000 | 44,944,000 | 55,302,000 | 49,951,000 |
| Equity capital | 177,377,000 | 178,280,000 | 176,795,000 | 184,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,444,000 | 15,017,000 | 23,103,000 | 31,810,000 |
| Interest expense | 2,476,000 | 5,371,000 | 8,780,000 | 12,862,000 |
| Net interest income | 4,968,000 | 9,646,000 | 14,323,000 | 18,948,000 |
| Noninterest income | 768,000 | 1,649,000 | 2,574,000 | 3,534,000 |
| Noninterest expense | 4,211,000 | 8,294,000 | 12,333,000 | 16,949,000 |
| Provision for loan losses | 0 | 0 | 295,000 | 462,000 |
| Pretax income | 36,000 | 2,420,000 | 1,190,000 | 7,451,000 |
| Income tax | -59,000 | 430,000 | -9,000 | 1,696,000 |
| Net income | 95,000 | 1,990,000 | 1,199,000 | 5,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 184,836,000 | 186,774,000 | 186,025,000 | 190,623,000 |
| Total capital | 190,400,000 | 192,331,000 | 191,854,000 | 196,613,000 |
| Risk-weighted assets | 652,462,000 | 663,712,000 | 675,047,000 | 696,187,000 |