Call reports 2022
CAPE COD FIVE CENTS SAVINGS BANK — 2022
What CAPE COD FIVE CENTS SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 4,699,185,000 | 4,876,081,000 | 5,062,170,000 | 5,272,127,000 |
| Total loans | 3,755,845,000 | 4,092,227,000 | 4,319,020,000 | 4,498,356,000 |
| Allowance for loan losses | 23,128,000 | 22,147,000 | 22,260,000 | 22,227,000 |
| Securities available for sale | 440,021,000 | 461,232,000 | 424,042,000 | 438,135,000 |
| Securities held to maturity | 43,543,000 | 65,141,000 | 54,808,000 | 57,247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,214,860,000 | 4,277,921,000 | 4,382,190,000 | 4,168,916,000 |
| Interest-bearing deposits | 3,987,360,000 | 4,069,511,000 | 4,165,706,000 | 3,968,961,000 |
| Noninterest-bearing deposits | 227,500,000 | 208,410,000 | 216,484,000 | 199,955,000 |
| Equity capital | 470,514,000 | 472,194,000 | 469,190,000 | 486,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 34,571,000 | 72,248,000 | 113,978,000 | 158,951,000 |
| Interest expense | 666,000 | 1,382,000 | 3,408,000 | 12,462,000 |
| Net interest income | 33,905,000 | 70,866,000 | 110,570,000 | 146,489,000 |
| Noninterest income | 6,078,000 | 12,670,000 | 19,695,000 | 25,185,000 |
| Noninterest expense | 28,748,000 | 59,257,000 | 90,684,000 | 120,618,000 |
| Provision for loan losses | 0 | -1,000,000 | -1,000,000 | -1,000,000 |
| Pretax income | 11,235,000 | 25,279,000 | 40,581,000 | 52,056,000 |
| Income tax | 2,716,000 | 6,249,000 | 10,140,000 | 11,015,000 |
| Net income | 8,519,000 | 19,030,000 | 30,441,000 | 41,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 480,742,000 | 491,254,000 | 502,665,000 | 513,265,000 |
| Total capital | 503,870,000 | 513,401,000 | 524,925,000 | 535,492,000 |
| Risk-weighted assets | 2,894,338,000 | 3,096,200,000 | 3,193,511,000 | 3,314,360,000 |