RedactedNarrative: Vessel capsized while operator and passenger were anchored fishing.  Water was splashing in over the stern through the opening near his outboard motor.  Water entered the vessel at a rate that was too great for his bilge pump.  Tried to bail water but officer believed this made the situation worse by the additional weight of the persons to the stern lowered the stern and increased the flow of water in.  The vessel slowly overturned sending operator and passenger into water.  Parties were able to climb on board overturned vessel and summons help via cell phone.  When asked if the vessel was anchored via the stern or the bow the operator stated the back.  Improper anchoring in unfavorable conditions.  There was an active small craft advisory issues to all mariners at the time of accident.  Both parties refused treatment by EMS personnel.