Call reports 2021
CAPE COD FIVE CENTS SAVINGS BANK — 2021
What CAPE COD FIVE CENTS SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 4,464,646,000 | 4,625,603,000 | 4,792,923,000 | 4,615,911,000 |
| Total loans | 3,430,959,000 | 3,473,433,000 | 3,469,524,000 | 3,607,967,000 |
| Allowance for loan losses | 28,887,000 | 24,410,000 | 23,098,000 | 23,188,000 |
| Securities available for sale | 320,106,000 | 339,888,000 | 348,099,000 | 424,911,000 |
| Securities held to maturity | 38,851,000 | 38,709,000 | 36,537,000 | 33,580,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,974,404,000 | 4,130,412,000 | 4,302,241,000 | 4,114,881,000 |
| Interest-bearing deposits | 3,752,826,000 | 3,914,775,000 | 4,083,133,000 | 3,903,925,000 |
| Noninterest-bearing deposits | 221,578,000 | 215,637,000 | 219,108,000 | 210,956,000 |
| Equity capital | 443,582,000 | 459,142,000 | 468,421,000 | 476,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 32,947,000 | 66,664,000 | 101,169,000 | 135,767,000 |
| Interest expense | 1,874,000 | 3,237,000 | 4,390,000 | 5,209,000 |
| Net interest income | 31,073,000 | 63,427,000 | 96,779,000 | 130,558,000 |
| Noninterest income | 12,510,000 | 23,451,000 | 32,286,000 | 32,150,000 |
| Noninterest expense | 25,292,000 | 52,680,000 | 80,593,000 | 109,761,000 |
| Provision for loan losses | 0 | -4,500,000 | -5,750,000 | -5,750,000 |
| Pretax income | 18,291,000 | 38,698,000 | 54,222,000 | 58,697,000 |
| Income tax | 4,840,000 | 10,259,000 | 14,668,000 | 9,511,000 |
| Net income | 13,451,000 | 28,439,000 | 39,554,000 | 49,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 436,489,000 | 451,477,000 | 462,592,000 | 472,224,000 |
| Total capital | 465,376,000 | 475,887,000 | 485,690,000 | 495,412,000 |
| Risk-weighted assets | 2,561,067,000 | 2,608,048,000 | 2,621,980,000 | 2,744,962,000 |