Call reports 2024
CAPE ANN SAVINGS BANK — 2024
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 972,002,000 | 971,821,000 | 1,004,365,000 | 992,369,000 |
| Total loans | 670,445,000 | 682,237,000 | 684,126,000 | 691,155,000 |
| Allowance for loan losses | 5,947,000 | 6,023,000 | 6,089,000 | 6,055,000 |
| Securities available for sale | 129,494,000 | 129,115,000 | 130,265,000 | 126,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 742,071,000 | 743,155,000 | 761,125,000 | 754,813,000 |
| Interest-bearing deposits | 697,767,000 | 698,003,000 | 709,938,000 | 701,725,000 |
| Noninterest-bearing deposits | 44,304,000 | 45,152,000 | 51,187,000 | 53,088,000 |
| Equity capital | 189,755,000 | 188,063,000 | 195,494,000 | 192,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 8,906,000 | 18,206,000 | 27,848,000 | 37,911,000 |
| Interest expense | 4,819,000 | 9,981,000 | 15,373,000 | 20,611,000 |
| Net interest income | 4,087,000 | 8,225,000 | 12,475,000 | 17,300,000 |
| Noninterest income | 1,069,000 | 2,255,000 | 3,317,000 | 4,625,000 |
| Noninterest expense | 4,626,000 | 9,186,000 | 13,709,000 | 18,619,000 |
| Provision for loan losses | 75,000 | 150,000 | 215,000 | 190,000 |
| Pretax income | 7,511,000 | 4,697,000 | 11,389,000 | 8,686,000 |
| Income tax | 2,021,000 | 1,113,000 | 2,901,000 | 2,041,000 |
| Net income | 5,490,000 | 3,584,000 | 8,488,000 | 6,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 196,157,000 | 194,293,000 | 199,241,000 | 197,437,000 |
| Total capital | 202,224,000 | 200,436,000 | 205,459,000 | 203,671,000 |
| Risk-weighted assets | 722,825,000 | 719,369,000 | 737,071,000 | 732,185,000 |