The Cape Cod Five Cents Savings Bank in Harwich Port, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Cape Cod Five Cents Savings Bank in Harwich Port, Massachusetts (MA)
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The Cape Cod Five Cents Savings Bank - Overview

  • General
  • FDIC Certificate #: 23287
    Status: Active
    Federal Reserve ID: 664206
    Date Established: March 16, 1855
    WWW: http://www.capecodfive.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 17 (Domestic: 16, Interstate: No)
    OTS Docket #: 14063
    FDIC's unique #: 16320
    Numeric code: 42
    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 02, 1981
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 532 Main St., Harwich Port, MA 2646
    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)
  • History of Changes
  • Corrections
    Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $2,106.5 mil
    Equity capital: $208.0 mil
    Deposits held in domestic offices: $1,831.3 mil
    Return on assets (ROA): 0.64% ($13.5 mil)
    Quarterly return on assets: 0.66% ($13.9 mil)
    Return on Equity (ROE): 6.44% ($13.4 mil)
    Quarterly return on equity: 6.69% ($13.9 mil)
    Net income: $13.0 mil
    Quarterly Net income: $3.5 mil
    Pretax return on assets: 1.08% ($22,750.2 mil)
    Quarterly Pretax return on assets: 1.10% ($23,171.5 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
  • 376Total employees (full-time equivalent)
  • $2,106,498Total assets
  • $43,622Cash and due from depository institutions
  • $17,056Interest-bearing balances
  • $339,009Securities
  • $98,795Federal funds sold & reverse repurchase agreements
  • $1,565,660Net loans & leases
  • $17,903Loan loss allowance
  • $0Trading account assets
  • $24,735Bank premises and fixed assets
  • $800Other real estate owned
  • $3,889Goodwill and other intangibles
  • $2,106,498Life insurance assets
  • $29,988All other assets
  • $1,898,529Total liabilities and capital
  • $1,831,257Total liabilities
  • $1,767,909Total deposits
  • $1,831,257Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 27034.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $32,409Trading liabilities
  • $0Other borrowed funds
  • $7,829Subordinated debt
  • $207,969All other liabilities
  • $207,969Total equity capital
  • $207,969Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $207,969Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $34,410Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19,500Income earned, not collected on loans
  • $414Earning assets
  • $5,639Long-term assets (5+ years)
  • $2,020,520Average Assets, year-to-date
  • $351,370Average Assets, quarterly
  • $2,021,734Volatile liabilities
  • $2,091,231Insider loans
  • $1,314,922FHLB advances
  • $2,098,123Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $205,578Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $320,534Restructured Loans and leases
  • $3,349Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $74,341Total interest income
  • $15,314Total interest expense
  • $59,027Net interest income
  • $1,250Provision for loan and lease losses
  • $19,139Total noninterest income
  • $5,241Fiduciary activities
  • $4,551Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9,347Additional noninterest income
  • $55,050Total noninterest expense
  • $33,889Salaries and employee benefits
  • $4,845Premises and equipment expense
  • $16,316Additional noninterest expense
  • $21,866Pre-tax net operating income
  • $22Securities gains (losses)
  • $8,919Applicable income taxes
  • $12,969Income before extraordinary items
  • $0Extraordinary gains - net
  • $12,969Net income attributable to bank
  • $0Net charge-offs
  • $12,969Cash dividends
  • $2,663Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.84%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 3.05%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 2.84%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 6.44%Return on equity (ROE)
  • 6.44%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 46.94%Credit loss provision to net charge-offs
  • 8.68%Efficiency ratio
  • 70,163Assets per employee
  • 5.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 91.81%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 1.23%Net loans and leases to deposits
  • 85.50%Net loans and leases to core deposits
  • 91.17%Equity capital to assets
  • 9.87%Core capital (leverage) ratio
  • 9.80%Tier 1 risk-based capital ratio
  • 15.63%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $2,021,734Average earning assets
  • $201,394Average equity
  • $1,938,293Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $714,452Managed Assets
  • 1Number of Accounts
  • $695,310Personal trust and agency accounts
  • $231,807Employee benefit-defined contribution accounts
  • $3,696Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $98,944Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $319,752Other fiduciary accounts
  • $41,111Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 958Number of Accounts
  • $0Personal trust and agency accounts
  • $98,944Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $19,142Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $628Fiduciary accounts held in foreign offices

List of branches

  • 17 Massachusetts Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016320The Cape Cod Five Cents Savings Bank532 Main St., Harwich Port, MA 2646March 16, 1855Full Service Brick and Mortar
    1291168Chatham Branch548 Main Street, Chatham, MA 2633June 30, 1958Full Service Brick and Mortar
    2291169Operations Center, Orleans Branch19 West Road, Orleans, MA 2653April 22, 1963Limited Service Administrative
    3291170Brewster Branch2745 Main Street, Brewster, MA 2631June 30, 1969Full Service Brick and Mortar
    417887Wellfleet Branch345 Main Street, Wellfleet, MA 2667January 01, 1863Full Service Brick and Mortar
    5291171Centerville Branch1620 Falmouth Road, Centerville, MA 2632September 25, 1975Full Service Brick and Mortar
    6256138Yarmouth Branch514 Station Ave, South Yarmouth, MA 2664October 17, 1987Full Service Brick and Mortar
    8256140East Harwich Branch129 Route 137, East Harwich, MA 2645April 17, 1993Full Service Brick and Mortar
    10256142Mashpee Branch10 North Market St., Mashpee, MA 2649November 21, 1994Full Service Brick and Mortar
    1144302Hyannis Branch171 Falmouth Road, Hyannis, MA 2601March 11, 1965Full Service Brick and Mortar
    12256143Orleans Branch97 Rt 6a, Orleans, MA 2653June 30, 1998Full Service Brick and Mortar
    14432649Falmouth Branch763 Main Street, Falmouth, MA 2540October 18, 2004Full Service Brick and Mortar
    15266988North Eastham Branch75 Brackett Road, North Eastham, MA 2651January 01, 1925Full Service Brick and Mortar
    16439453Sandwich Branch85 Route 6a, Sandwich, MA 2563March 01, 2005Full Service Brick and Mortar
    17474354South Dennis Branch688 Main Street, South Dennis, MA 2660April 22, 2008Full Service Brick and Mortar
    18518083Nantucket Branch6 West Creek Road, Nantucket, MA 2554March 08, 2011Full Service Brick and Mortar
    19527860Main Street Nantucket BranchZero Main Street, Nantucket, MA 2554January 17, 2012Full Service Brick and Mortar

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