Call reports 2013
BANK OF CAPE COD — 2013
What BANK OF CAPE COD reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 196,409,000 | 201,152,000 | 208,701,000 | 224,865,000 |
| Total loans | 164,675,000 | 165,921,000 | 177,226,000 | 180,521,000 |
| Allowance for loan losses | 1,816,000 | 1,872,000 | 2,012,000 | 2,050,000 |
| Securities available for sale | 14,121,000 | 14,020,000 | 14,411,000 | 14,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 467,000 | 302,000 | 292,000 | 45,000 |
| Total deposits | 162,676,000 | 164,224,000 | 171,918,000 | 180,475,000 |
| Interest-bearing deposits | 147,445,000 | 147,981,000 | 151,965,000 | 162,615,000 |
| Noninterest-bearing deposits | 15,231,000 | 16,243,000 | 19,953,000 | 17,860,000 |
| Equity capital | 20,476,000 | 20,387,000 | 20,521,000 | 24,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,975,000 | 3,974,000 | 6,090,000 | 8,282,000 |
| Interest expense | 425,000 | 849,000 | 1,258,000 | 1,682,000 |
| Net interest income | 1,550,000 | 3,125,000 | 4,832,000 | 6,600,000 |
| Noninterest income | 80,000 | 181,000 | 308,000 | 499,000 |
| Noninterest expense | 1,440,000 | 2,957,000 | 4,498,000 | 5,986,000 |
| Provision for loan losses | 18,000 | 76,000 | 214,000 | 252,000 |
| Pretax income | 172,000 | 273,000 | 428,000 | 862,000 |
| Income tax | 50,000 | 90,000 | 153,000 | 321,000 |
| Net income | 122,000 | 183,000 | 275,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,263,000 | 19,335,000 | 19,438,000 | 23,414,000 |
| Total capital | 21,101,000 | 21,229,000 | 21,472,000 | 25,486,000 |
| Risk-weighted assets | 170,389,000 | 172,858,000 | 182,694,000 | 188,889,000 |