Call reports 2012
CAPE COD FIVE CENTS SAVINGS BANK — 2012
What CAPE COD FIVE CENTS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,139,871,000 | 2,230,635,000 | 2,294,109,000 | 2,317,731,000 |
| Total loans | 1,635,523,000 | 1,689,015,000 | 1,712,030,000 | 1,770,264,000 |
| Allowance for loan losses | 17,737,000 | 17,833,000 | 17,848,000 | 18,210,000 |
| Securities available for sale | 296,695,000 | 274,436,000 | 289,168,000 | 352,441,000 |
| Securities held to maturity | 39,344,000 | 42,649,000 | 43,663,000 | 39,868,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,858,881,000 | 1,949,388,000 | 2,002,198,000 | 2,050,131,000 |
| Interest-bearing deposits | 1,789,048,000 | 1,874,676,000 | 1,927,737,000 | 1,972,972,000 |
| Noninterest-bearing deposits | 69,833,000 | 74,712,000 | 74,461,000 | 77,159,000 |
| Equity capital | 211,741,000 | 214,616,000 | 219,348,000 | 222,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 18,618,000 | 37,312,000 | 55,932,000 | 74,393,000 |
| Interest expense | 3,346,000 | 6,565,000 | 9,635,000 | 12,555,000 |
| Net interest income | 15,272,000 | 30,747,000 | 46,297,000 | 61,838,000 |
| Noninterest income | 5,828,000 | 11,733,000 | 19,176,000 | 29,751,000 |
| Noninterest expense | 14,694,000 | 30,796,000 | 46,804,000 | 65,928,000 |
| Provision for loan losses | 250,000 | 625,000 | 950,000 | 1,450,000 |
| Pretax income | 6,163,000 | 11,828,000 | 18,706,000 | 25,163,000 |
| Income tax | 2,463,000 | 4,725,000 | 7,495,000 | 10,019,000 |
| Net income | 3,700,000 | 7,103,000 | 11,211,000 | 15,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 209,265,000 | 212,408,000 | 216,368,000 | 220,267,000 |
| Total capital | 226,178,000 | 229,562,000 | 233,916,000 | 238,519,000 |
| Risk-weighted assets | 1,345,149,000 | 1,371,637,000 | 1,402,408,000 | 1,497,471,000 |