Call reports 2004
CAPE COD FIVE CENTS SAVINGS BANK — 2004
What CAPE COD FIVE CENTS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,276,941,000 | 1,306,285,000 | 1,375,172,000 | 1,391,811,000 |
| Total loans | 776,012,000 | 820,989,000 | 848,653,000 | 895,181,000 |
| Allowance for loan losses | 10,831,000 | 10,826,000 | 10,920,000 | 10,913,000 |
| Securities available for sale | 70,803,000 | 71,316,000 | 77,149,000 | 79,732,000 |
| Securities held to maturity | 333,700,000 | 307,621,000 | 346,243,000 | 331,080,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,100,355,000 | 1,150,951,000 | 1,217,829,000 | 1,221,968,000 |
| Interest-bearing deposits | 1,012,595,000 | 1,052,761,000 | 1,115,806,000 | 1,122,843,000 |
| Noninterest-bearing deposits | 87,760,000 | 98,190,000 | 102,023,000 | 99,125,000 |
| Equity capital | 128,998,000 | 130,124,000 | 132,510,000 | 134,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 13,778,000 | 27,519,000 | 41,976,000 | 56,992,000 |
| Interest expense | 4,415,000 | 8,881,000 | 13,705,000 | 18,726,000 |
| Net interest income | 9,363,000 | 18,638,000 | 28,271,000 | 38,266,000 |
| Noninterest income | 1,775,000 | 3,747,000 | 5,860,000 | 7,680,000 |
| Noninterest expense | 7,219,000 | 17,275,000 | 25,409,000 | 33,800,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,718,000 | 8,940,000 | 14,123,000 | 17,547,000 |
| Income tax | 2,295,000 | 2,688,000 | 4,760,000 | 6,069,000 |
| Net income | 3,423,000 | 6,252,000 | 9,363,000 | 11,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,298,000 | 128,096,000 | 131,187,000 | 131,639,000 |
| Total capital | 136,671,000 | 138,601,000 | 141,311,000 | 142,253,000 |
| Risk-weighted assets | 727,685,000 | 728,642,000 | 752,656,000 | 788,679,000 |
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