Call reports 2023
CAPE COD FIVE CENTS SAVINGS BANK — 2023
What CAPE COD FIVE CENTS SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 5,425,832,000 | 5,508,302,000 | 5,506,373,000 | 5,545,468,000 |
| Total loans | 4,605,661,000 | 4,679,795,000 | 4,688,438,000 | 4,711,228,000 |
| Allowance for loan losses | 25,918,000 | 24,525,000 | 23,986,000 | 23,892,000 |
| Securities available for sale | 397,340,000 | 389,734,000 | 385,526,000 | 427,049,000 |
| Securities held to maturity | 56,641,000 | 44,409,000 | 42,931,000 | 36,018,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,350,732,000 | 4,376,331,000 | 4,472,672,000 | 4,424,179,000 |
| Interest-bearing deposits | 4,156,933,000 | 4,175,315,000 | 4,267,345,000 | 4,236,877,000 |
| Noninterest-bearing deposits | 193,799,000 | 201,016,000 | 205,327,000 | 187,302,000 |
| Equity capital | 487,425,000 | 497,567,000 | 503,593,000 | 512,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 47,829,000 | 101,584,000 | 157,934,000 | 216,255,000 |
| Interest expense | 17,785,000 | 41,226,000 | 66,163,000 | 93,389,000 |
| Net interest income | 30,044,000 | 60,358,000 | 91,771,000 | 122,866,000 |
| Noninterest income | 6,538,000 | 13,519,000 | 21,850,000 | 27,601,000 |
| Noninterest expense | 30,485,000 | 62,070,000 | 93,882,000 | 125,907,000 |
| Provision for loan losses | 0 | -1,500,000 | -2,000,000 | -2,000,000 |
| Pretax income | 6,071,000 | 13,281,000 | 20,526,000 | 25,569,000 |
| Income tax | 1,320,000 | 1,530,000 | 1,828,000 | -655,000 |
| Net income | 4,751,000 | 11,751,000 | 18,698,000 | 26,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 514,569,000 | 521,569,000 | 528,516,000 | 536,042,000 |
| Total capital | 540,487,000 | 546,094,000 | 552,502,000 | 560,734,000 |
| Risk-weighted assets | 3,349,171,000 | 3,426,457,000 | 3,410,473,000 | 3,402,728,000 |