Call reports 2011
CAPE COD FIVE CENTS SAVINGS BANK — 2011
What CAPE COD FIVE CENTS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,931,538,000 | 2,020,455,000 | 2,075,963,000 | 2,106,498,000 |
| Total loans | 1,476,051,000 | 1,517,259,000 | 1,536,208,000 | 1,583,563,000 |
| Allowance for loan losses | 18,731,000 | 17,588,000 | 17,765,000 | 17,903,000 |
| Securities available for sale | 337,843,000 | 313,637,000 | 299,465,000 | 299,995,000 |
| Securities held to maturity | 32,403,000 | 36,425,000 | 36,224,000 | 39,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,671,614,000 | 1,752,477,000 | 1,799,640,000 | 1,831,257,000 |
| Interest-bearing deposits | 1,616,487,000 | 1,693,143,000 | 1,736,521,000 | 1,767,909,000 |
| Noninterest-bearing deposits | 55,127,000 | 59,334,000 | 63,119,000 | 63,348,000 |
| Equity capital | 197,936,000 | 201,560,000 | 204,609,000 | 207,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 18,217,000 | 36,941,000 | 55,652,000 | 74,341,000 |
| Interest expense | 3,953,000 | 7,879,000 | 11,716,000 | 15,314,000 |
| Net interest income | 14,264,000 | 29,062,000 | 43,936,000 | 59,027,000 |
| Noninterest income | 5,038,000 | 9,264,000 | 13,440,000 | 19,139,000 |
| Noninterest expense | 12,941,000 | 26,703,000 | 40,247,000 | 55,050,000 |
| Provision for loan losses | 250,000 | 250,000 | 1,000,000 | 1,250,000 |
| Pretax income | 6,113,000 | 11,379,000 | 16,136,000 | 21,888,000 |
| Income tax | 2,498,000 | 4,673,000 | 6,618,000 | 8,919,000 |
| Net income | 3,615,000 | 6,706,000 | 9,518,000 | 12,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 196,081,000 | 199,232,000 | 202,125,000 | 205,578,000 |
| Total capital | 211,789,000 | 215,411,000 | 218,304,000 | 221,875,000 |
| Risk-weighted assets | 1,247,122,000 | 1,286,668,000 | 1,288,217,000 | 1,295,625,000 |