Call reports 2016
CAPE COD FIVE CENTS SAVINGS BANK — 2016
What CAPE COD FIVE CENTS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,885,956,000 | 3,015,422,000 | 3,044,481,000 | 3,117,352,000 |
| Total loans | 2,470,037,000 | 2,547,702,000 | 2,576,221,000 | 2,645,133,000 |
| Allowance for loan losses | 16,929,000 | 16,817,000 | 16,822,000 | 16,921,000 |
| Securities available for sale | 253,246,000 | 238,063,000 | 222,403,000 | 218,990,000 |
| Securities held to maturity | 48,837,000 | 67,622,000 | 69,021,000 | 73,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,385,186,000 | 2,450,272,000 | 2,490,997,000 | 2,480,876,000 |
| Interest-bearing deposits | 2,292,224,000 | 2,350,383,000 | 2,382,896,000 | 2,379,952,000 |
| Noninterest-bearing deposits | 92,962,000 | 99,889,000 | 108,101,000 | 100,924,000 |
| Equity capital | 266,913,000 | 272,199,000 | 277,124,000 | 279,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 23,924,000 | 48,259,000 | 73,059,000 | 98,378,000 |
| Interest expense | 2,906,000 | 5,900,000 | 8,967,000 | 12,193,000 |
| Net interest income | 21,018,000 | 42,359,000 | 64,092,000 | 86,185,000 |
| Noninterest income | 6,138,000 | 12,632,000 | 19,972,000 | 25,388,000 |
| Noninterest expense | 19,382,000 | 39,977,000 | 60,547,000 | 81,558,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 8,044,000 | 15,284,000 | 23,859,000 | 30,354,000 |
| Income tax | 3,101,000 | 5,846,000 | 9,105,000 | 10,686,000 |
| Net income | 4,943,000 | 9,438,000 | 14,754,000 | 19,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 265,201,000 | 269,696,000 | 275,013,000 | 279,926,000 |
| Total capital | 282,130,000 | 286,513,000 | 291,835,000 | 296,847,000 |
| Risk-weighted assets | 1,836,108,000 | 1,928,148,000 | 1,932,763,000 | 1,985,430,000 |