Call reports 2025
CAPE ANN SAVINGS BANK — 2025
What CAPE ANN SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 979,385,000 | 997,528,000 | 1,030,856,000 | 1,039,087,000 |
| Total loans | 697,226,000 | 704,668,000 | 718,155,000 | 726,208,000 |
| Allowance for loan losses | 6,113,000 | 6,173,000 | 6,173,000 | 6,160,000 |
| Securities available for sale | 106,893,000 | 110,939,000 | 124,590,000 | 131,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 721,280,000 | 740,700,000 | 773,024,000 | 782,657,000 |
| Interest-bearing deposits | 668,806,000 | 686,032,000 | 713,978,000 | 726,102,000 |
| Noninterest-bearing deposits | 52,474,000 | 54,668,000 | 59,046,000 | 56,555,000 |
| Equity capital | 197,044,000 | 200,877,000 | 206,150,000 | 208,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,690,000 | 19,801,000 | 30,485,000 | 41,581,000 |
| Interest expense | 4,425,000 | 8,805,000 | 13,415,000 | 18,028,000 |
| Net interest income | 5,265,000 | 10,996,000 | 17,070,000 | 23,553,000 |
| Noninterest income | 1,241,000 | 2,573,000 | 3,780,000 | 5,064,000 |
| Noninterest expense | 4,457,000 | 9,013,000 | 13,696,000 | 18,671,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 2,991,000 | 7,333,000 | 13,643,000 | 14,606,000 |
| Income tax | 725,000 | 1,823,000 | 3,467,000 | 3,630,000 |
| Net income | 2,266,000 | 5,510,000 | 10,176,000 | 10,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 199,703,000 | 202,948,000 | 207,614,000 | 208,413,000 |
| Total capital | 205,995,000 | 209,300,000 | 213,966,000 | 214,752,000 |
| Risk-weighted assets | 746,371,000 | 750,573,000 | 764,959,000 | 767,455,000 |