Call reports 2025
CAPE COD FIVE CENTS SAVINGS BANK — 2025
What CAPE COD FIVE CENTS SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 5,566,583,000 | 5,636,319,000 | 5,700,205,000 | 5,600,777,000 |
| Total loans | 4,585,486,000 | 4,603,736,000 | 4,565,821,000 | 4,523,110,000 |
| Allowance for loan losses | 23,107,000 | 23,088,000 | 22,905,000 | 22,793,000 |
| Securities available for sale | 545,441,000 | 578,423,000 | 587,204,000 | 585,973,000 |
| Securities held to maturity | 36,471,000 | 39,611,000 | 37,525,000 | 36,650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,390,641,000 | 4,499,657,000 | 4,651,329,000 | 4,467,044,000 |
| Interest-bearing deposits | 4,203,136,000 | 4,287,667,000 | 4,406,866,000 | 4,239,704,000 |
| Noninterest-bearing deposits | 187,505,000 | 211,990,000 | 244,463,000 | 227,340,000 |
| Equity capital | 548,755,000 | 555,686,000 | 565,601,000 | 577,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 62,403,000 | 125,115,000 | 188,705,000 | 252,190,000 |
| Interest expense | 29,103,000 | 56,856,000 | 83,168,000 | 108,668,000 |
| Net interest income | 33,300,000 | 68,259,000 | 105,537,000 | 143,522,000 |
| Noninterest income | 8,670,000 | 16,981,000 | 26,464,000 | 35,136,000 |
| Noninterest expense | 30,740,000 | 62,131,000 | 93,838,000 | 127,654,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,230,000 | 23,109,000 | 38,163,000 | 51,154,000 |
| Income tax | 2,440,000 | 5,110,000 | 8,662,000 | 11,650,000 |
| Net income | 8,790,000 | 17,999,000 | 29,501,000 | 39,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 564,881,000 | 574,090,000 | 582,792,000 | 592,795,000 |
| Total capital | 588,638,000 | 597,828,000 | 606,347,000 | 616,088,000 |
| Risk-weighted assets | 3,412,546,000 | 3,450,162,000 | 3,419,287,000 | 3,378,295,000 |