Call reports 2019
CAPE COD FIVE CENTS SAVINGS BANK — 2019
What CAPE COD FIVE CENTS SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 3,467,286,000 | 3,525,307,000 | 3,617,824,000 | 3,658,361,000 |
| Total loans | 2,871,851,000 | 2,958,818,000 | 3,030,129,000 | 3,040,791,000 |
| Allowance for loan losses | 17,981,000 | 18,245,000 | 18,378,000 | 18,362,000 |
| Securities available for sale | 364,460,000 | 323,639,000 | 343,737,000 | 335,821,000 |
| Securities held to maturity | 32,537,000 | 26,788,000 | 25,860,000 | 29,845,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,860,929,000 | 2,991,927,000 | 3,031,387,000 | 3,054,518,000 |
| Interest-bearing deposits | 2,744,645,000 | 2,859,512,000 | 2,899,388,000 | 2,928,207,000 |
| Noninterest-bearing deposits | 116,284,000 | 132,415,000 | 131,999,000 | 126,311,000 |
| Equity capital | 330,689,000 | 340,477,000 | 348,789,000 | 355,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 32,330,000 | 65,391,000 | 99,335,000 | 133,441,000 |
| Interest expense | 6,909,000 | 14,408,000 | 21,894,000 | 29,352,000 |
| Net interest income | 25,421,000 | 50,983,000 | 77,441,000 | 104,089,000 |
| Noninterest income | 6,192,000 | 12,479,000 | 20,575,000 | 29,804,000 |
| Noninterest expense | 23,094,000 | 47,515,000 | 72,804,000 | 99,063,000 |
| Provision for loan losses | 225,000 | 225,000 | 225,000 | 225,000 |
| Pretax income | 8,294,000 | 16,351,000 | 25,616,000 | 35,211,000 |
| Income tax | 1,959,000 | 3,863,000 | 6,122,000 | 8,322,000 |
| Net income | 6,335,000 | 12,488,000 | 19,494,000 | 26,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 331,994,000 | 338,148,000 | 345,154,000 | 352,549,000 |
| Total capital | 349,975,000 | 356,393,000 | 363,532,000 | 370,911,000 |
| Risk-weighted assets | 2,265,813,000 | 2,315,781,000 | 2,375,098,000 | 2,387,764,000 |