Call reports 2015
CAPE COD FIVE CENTS SAVINGS BANK — 2015
What CAPE COD FIVE CENTS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,776,700,000 | 2,854,156,000 | 2,851,685,000 | 2,892,683,000 |
| Total loans | 2,347,928,000 | 2,407,067,000 | 2,381,410,000 | 2,452,369,000 |
| Allowance for loan losses | 18,095,000 | 16,947,000 | 16,900,000 | 16,687,000 |
| Securities available for sale | 268,331,000 | 256,704,000 | 256,928,000 | 261,550,000 |
| Securities held to maturity | 39,705,000 | 39,563,000 | 32,252,000 | 40,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,207,018,000 | 2,325,405,000 | 2,396,410,000 | 2,369,879,000 |
| Interest-bearing deposits | 2,111,006,000 | 2,208,044,000 | 2,245,843,000 | 2,278,914,000 |
| Noninterest-bearing deposits | 96,012,000 | 117,361,000 | 150,567,000 | 90,965,000 |
| Equity capital | 250,510,000 | 251,912,000 | 257,379,000 | 259,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 22,066,000 | 44,686,000 | 67,841,000 | 91,341,000 |
| Interest expense | 2,710,000 | 5,524,000 | 8,464,000 | 11,364,000 |
| Net interest income | 19,356,000 | 39,162,000 | 59,377,000 | 79,977,000 |
| Noninterest income | 5,569,000 | 11,605,000 | 18,123,000 | 24,127,000 |
| Noninterest expense | 19,774,000 | 41,735,000 | 61,185,000 | 81,279,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,415,000 | 9,296,000 | 16,646,000 | 23,282,000 |
| Income tax | 2,148,000 | 3,628,000 | 6,527,000 | 9,038,000 |
| Net income | 3,267,000 | 5,668,000 | 10,119,000 | 14,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 249,282,000 | 251,682,000 | 256,133,000 | 260,258,000 |
| Total capital | 267,377,000 | 268,629,000 | 273,033,000 | 276,945,000 |
| Risk-weighted assets | 1,812,218,000 | 1,861,596,000 | 1,777,518,000 | 1,815,213,000 |