Call reports 2020
CAPE COD FIVE CENTS SAVINGS BANK — 2020
What CAPE COD FIVE CENTS SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 3,728,011,000 | 3,988,266,000 | 4,172,702,000 | 4,280,740,000 |
| Total loans | 3,141,906,000 | 3,296,995,000 | 3,306,870,000 | 3,313,196,000 |
| Allowance for loan losses | 20,333,000 | 27,679,000 | 28,750,000 | 28,855,000 |
| Securities available for sale | 340,168,000 | 334,079,000 | 308,830,000 | 295,084,000 |
| Securities held to maturity | 29,241,000 | 41,830,000 | 39,013,000 | 40,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,097,066,000 | 3,468,900,000 | 3,696,173,000 | 3,753,612,000 |
| Interest-bearing deposits | 2,967,713,000 | 3,291,618,000 | 3,521,408,000 | 3,568,735,000 |
| Noninterest-bearing deposits | 129,353,000 | 177,282,000 | 174,765,000 | 184,877,000 |
| Equity capital | 361,353,000 | 372,301,000 | 382,111,000 | 431,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 33,687,000 | 67,562,000 | 101,600,000 | 136,463,000 |
| Interest expense | 6,956,000 | 11,855,000 | 15,341,000 | 17,935,000 |
| Net interest income | 26,731,000 | 55,707,000 | 86,259,000 | 118,528,000 |
| Noninterest income | 7,650,000 | 21,261,000 | 32,422,000 | 40,552,000 |
| Noninterest expense | 25,966,000 | 50,802,000 | 78,604,000 | 108,423,000 |
| Provision for loan losses | 2,000,000 | 9,500,000 | 10,500,000 | 10,500,000 |
| Pretax income | 6,823,000 | 17,074,000 | 31,072,000 | 41,652,000 |
| Income tax | 1,592,000 | 4,149,000 | 7,690,000 | 9,081,000 |
| Net income | 5,231,000 | 12,925,000 | 23,382,000 | 32,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 356,328,000 | 364,023,000 | 374,479,000 | 423,038,000 |
| Total capital | 376,661,000 | 391,702,000 | 403,229,000 | 451,893,000 |
| Risk-weighted assets | 2,469,082,000 | 2,474,218,000 | 2,479,952,000 | 2,503,941,000 |