Call reports 2005
CAPE COD FIVE CENTS SAVINGS BANK — 2005
What CAPE COD FIVE CENTS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,433,040,000 | 1,485,823,000 | 1,493,499,000 | 1,520,888,000 |
| Total loans | 938,856,000 | 994,178,000 | 1,030,169,000 | 1,085,846,000 |
| Allowance for loan losses | 10,960,000 | 11,033,000 | 11,096,000 | 11,173,000 |
| Securities available for sale | 66,437,000 | 62,707,000 | 68,196,000 | 76,774,000 |
| Securities held to maturity | 325,243,000 | 314,423,000 | 295,390,000 | 274,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,232,756,000 | 1,290,759,000 | 1,314,086,000 | 1,321,953,000 |
| Interest-bearing deposits | 1,139,410,000 | 1,174,762,000 | 1,196,715,000 | 1,222,314,000 |
| Noninterest-bearing deposits | 93,346,000 | 115,997,000 | 117,371,000 | 99,639,000 |
| Equity capital | 136,339,000 | 139,058,000 | 141,511,000 | 143,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 15,807,000 | 32,680,000 | 50,174,000 | 68,415,000 |
| Interest expense | 5,345,000 | 11,296,000 | 17,781,000 | 25,126,000 |
| Net interest income | 10,462,000 | 21,384,000 | 32,393,000 | 43,289,000 |
| Noninterest income | 1,959,000 | 3,914,000 | 6,093,000 | 8,309,000 |
| Noninterest expense | 8,528,000 | 17,171,000 | 26,092,000 | 35,377,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 5,206,000 | 9,380,000 | 13,587,000 | 17,354,000 |
| Income tax | 2,066,000 | 3,670,000 | 5,274,000 | 6,784,000 |
| Net income | 3,140,000 | 5,710,000 | 8,313,000 | 10,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,851,000 | 137,501,000 | 140,166,000 | 142,491,000 |
| Total capital | 145,347,000 | 148,591,000 | 151,357,000 | 153,750,000 |
| Risk-weighted assets | 831,969,000 | 880,405,000 | 891,774,000 | 927,799,000 |
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