Cape Cod Co-operative Bank in Yarmouth Port, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Cape Cod Co-operative Bank - Overview

  • General
  • FDIC Certificate #: 26517
    Status: Active
    Federal Reserve ID: 119779
    Bank Holding Company (Regulatory Top Holder): Coastal Affiliates, Mhc (RSSDID: 3444801, Location: Hyannis, MA)
    Date Established: January 01, 1921
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 8 (Domestic: 7, Interstate: No)
    OTS Docket #: 1456
    FDIC's unique #: 33219
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 22, 1986
    Last Structure Change Effective Date: May 07, 2007
    Last Structure Change Process Date: May 18, 2007
    Last Data Update: May 18, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 121 Main Street, Yarmouth Port, MA 2675
    County: Barnstable
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: South Boston
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Barnstable-Yarmouth, MA (#740)
    Core Based Statistical Area (CBSA): Barnstable Town, MA (#12700)
    CBSA Metro Statistical Area: Barnstable Town, MA (#12700)
  • Financial Summary
  • Total assets: $642.6 mil
    Equity capital: $62.6 mil
    Deposits held in domestic offices: $484.0 mil
    Return on assets (ROA): 0.74% ($4.8 mil)
    Quarterly return on assets: 0.81% ($5.2 mil)
    Return on Equity (ROE): 7.60% ($4.8 mil)
    Quarterly return on equity: 8.38% ($5.3 mil)
    Net income: $4.6 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 1.15% ($7,390.2 mil)
    Quarterly Pretax return on assets: 1.27% ($8,161.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 122Total employees (full-time equivalent)
  • $642,623Total assets
  • $15,471Cash and due from depository institutions
  • $7,302Interest-bearing balances
  • $50,303Securities
  • $2,824Federal funds sold & reverse repurchase agreements
  • $528,628Net loans & leases
  • $5,742Loan loss allowance
  • $0Trading account assets
  • $14,701Bank premises and fixed assets
  • $1,767Other real estate owned
  • $1,533Goodwill and other intangibles
  • $642,623Life insurance assets
  • $27,396All other assets
  • $580,035Total liabilities and capital
  • $484,028Total liabilities
  • $461,599Total deposits
  • $484,028Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 3577.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $90,000Trading liabilities
  • $0Other borrowed funds
  • $2,430Subordinated debt
  • $62,588All other liabilities
  • $62,588Total equity capital
  • $62,588Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $62,588Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,399Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,392Income earned, not collected on loans
  • $0Earning assets
  • $1,593Long-term assets (5+ years)
  • $589,057Average Assets, year-to-date
  • $124,555Average Assets, quarterly
  • $617,166Volatile liabilities
  • $637,198Insider loans
  • $438,013FHLB advances
  • $633,347Loans and leases held for sale
  • $8,648Unused loan commitments
  • $7,501Tier 1 (core) risk-based capital
  • $61,446Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,147Total unused commitments
  • $92,973Restructured Loans and leases
  • $1,225Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,099Total interest income
  • $5,795Total interest expense
  • $19,304Net interest income
  • $711Provision for loan and lease losses
  • $2,361Total noninterest income
  • $0Fiduciary activities
  • $491Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,870Additional noninterest income
  • $14,029Total noninterest expense
  • $8,111Salaries and employee benefits
  • $1,649Premises and equipment expense
  • $4,269Additional noninterest expense
  • $6,925Pre-tax net operating income
  • $175Securities gains (losses)
  • $2,531Applicable income taxes
  • $4,569Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,569Net income attributable to bank
  • $0Net charge-offs
  • $4,569Cash dividends
  • $1,207Sale, conversion, retirement of capital stock, net
  • $10Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.45%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.42%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.48%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 7.60%Return on equity (ROE)
  • 7.58%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 58.91%Credit loss provision to net charge-offs
  • 6.33%Efficiency ratio
  • 64,754Assets per employee
  • 5.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.22%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 89.83%Noncurrent assets plus other real estate owned to assets
  • 1.27%Noncurrent loans to loans
  • 1.20%Net loans and leases to deposits
  • 109.21%Net loans and leases to core deposits
  • 113.53%Equity capital to assets
  • 9.74%Core capital (leverage) ratio
  • 9.70%Tier 1 risk-based capital ratio
  • 14.03%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $617,166Average earning assets
  • $60,118Average equity
  • $564,643Average loans

List of branches

  • 8 Massachusetts Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    033219Cape Cod Co-Operative Bank121 Main Street, Yarmouth Port, MA 2675January 01, 1921Full Service Brick and Mortar
    2259641East Dennis Branch1583 Route 6a, East Dennis, MA 2641June 16, 1966Full Service Brick and Mortar
    3259642West Barnstable Branch1121 Route 6a, West Barnstable, MA 2668May 21, 1981Full Service Brick and Mortar
    4259643Sandwich Branch275 Cotuit Road, Sandwich, MA 2563June 01, 1998Full Service Brick and Mortar
    5363803Attucks Lane Branch31 Attucks Lane Hyannis, Hyannis, MA 2601April 29, 2002Full Service Brick and Mortar
    6439451King's Circuit Branch64 King's Circuit, Yarmouth Port, MA 2675March 18, 2005Full Service Brick and Mortar
    7467458Orleans Road Branch1470 Orleans Road, East Harwich, MA 2645August 06, 2007Full Service Brick and Mortar
    8529521Falmouth Main Street Branch649 Main Street, Falmouth, MA 2540Febuary 13, 2012Full Service Brick and Mortar

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