Home > Cape Cod Bank and Trust > Income and Expense
Cape Cod Bank and Trust, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $14,423,000 | 501 |
| Total interest expense | $3,926,000 | 517 |
| Net interest income | $10,497,000 | 493 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $5,882,000 | 337 |
| Gross Fiduciary activities income | $2,136,000 | 119 |
| Service charges on deposit accounts | $1,125,000 | 374 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,621,000 | 400 |
| Total noninterest expense | $12,186,000 | 382 |
| Salaries and employee benefits | $6,829,000 | 344 |
| Premises and equipment expense | $1,264,000 | 480 |
| Additional noninterest expense | $4,093,000 | 364 |
| Pre-tax net operating income | $4,193,000 | 556 |
| Securities gains (losses) | $1,525,000 | 138 |
| Applicable income taxes | $2,284,000 | 403 |
| Income before extraordinary items | $3,434,000 | 518 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,434,000 | 517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,486 |
| Cash dividends | $1,500,000 | 452 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,458,000 | 634 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $59,208,000 | 487 |
| Total interest expense | $17,544,000 | 525 |
| Net interest income | $41,664,000 | 473 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $23,141,000 | 365 |
| Gross Fiduciary activities income | $7,596,000 | 123 |
| Service charges on deposit accounts | $5,303,000 | 313 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $10,242,000 | 437 |
| Total noninterest expense | $48,384,000 | 386 |
| Salaries and employee benefits | $26,177,000 | 355 |
| Premises and equipment expense | $5,594,000 | 428 |
| Additional noninterest expense | $16,613,000 | 378 |
| Pre-tax net operating income | $16,421,000 | 553 |
| Securities gains (losses) | $-1,692,000 | 9,153 |
| Applicable income taxes | $8,083,000 | 429 |
| Income before extraordinary items | $6,646,000 | 975 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,646,000 | 978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-329,000 | 9,145 |
| Cash dividends | $11,000,000 | 355 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $7,728,880 | 785 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $45,012,000 | 491 |
| Total interest expense | $13,527,000 | 531 |
| Net interest income | $31,485,000 | 487 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $18,281,000 | 367 |
| Gross Fiduciary activities income | $5,824,000 | 128 |
| Service charges on deposit accounts | $4,095,000 | 318 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,362,000 | 434 |
| Total noninterest expense | $35,232,000 | 401 |
| Salaries and employee benefits | $18,786,000 | 368 |
| Premises and equipment expense | $4,176,000 | 434 |
| Additional noninterest expense | $12,270,000 | 394 |
| Pre-tax net operating income | $14,534,000 | 500 |
| Securities gains (losses) | $-1,692,000 | 9,213 |
| Applicable income taxes | $7,422,000 | 387 |
| Income before extraordinary items | $5,420,000 | 932 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,420,000 | 932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-387,000 | 9,207 |
| Cash dividends | $11,000,000 | 285 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $6,502,880 | 734 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $31,063,000 | 488 |
| Total interest expense | $9,536,000 | 517 |
| Net interest income | $21,527,000 | 479 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $12,574,000 | 361 |
| Gross Fiduciary activities income | $3,940,000 | 129 |
| Service charges on deposit accounts | $2,671,000 | 322 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,963,000 | 412 |
| Total noninterest expense | $23,490,000 | 409 |
| Salaries and employee benefits | $12,333,000 | 377 |
| Premises and equipment expense | $2,921,000 | 418 |
| Additional noninterest expense | $8,236,000 | 396 |
| Pre-tax net operating income | $10,611,000 | 471 |
| Securities gains (losses) | $-1,692,000 | 9,256 |
| Applicable income taxes | $5,863,000 | 348 |
| Income before extraordinary items | $3,056,000 | 1,095 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,056,000 | 1,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-296,000 | 9,233 |
| Cash dividends | $7,750,000 | 246 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,138,880 | 755 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $16,049,000 | 484 |
| Total interest expense | $5,171,000 | 496 |
| Net interest income | $10,878,000 | 477 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $6,705,000 | 353 |
| Gross Fiduciary activities income | $1,919,000 | 135 |
| Service charges on deposit accounts | $1,265,000 | 333 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,521,000 | 382 |
| Total noninterest expense | $12,203,000 | 392 |
| Salaries and employee benefits | $6,205,000 | 375 |
| Premises and equipment expense | $1,364,000 | 448 |
| Additional noninterest expense | $4,634,000 | 369 |
| Pre-tax net operating income | $5,380,000 | 460 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $6,795,000 | 195 |
| Income before extraordinary items | $-1,414,000 | 9,294 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,414,000 | 9,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-212,000 | 9,272 |
| Cash dividends | $4,000,000 | 223 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-1,414,640 | 9,271 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $77,221,000 | 434 |
| Total interest expense | $28,832,000 | 421 |
| Net interest income | $48,389,000 | 438 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $20,922,000 | 393 |
| Gross Fiduciary activities income | $6,807,000 | 141 |
| Service charges on deposit accounts | $5,224,000 | 322 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,891,000 | 465 |
| Total noninterest expense | $48,861,000 | 379 |
| Salaries and employee benefits | $27,079,000 | 330 |
| Premises and equipment expense | $5,780,000 | 418 |
| Additional noninterest expense | $16,002,000 | 403 |
| Pre-tax net operating income | $20,450,000 | 467 |
| Securities gains (losses) | $2,074,000 | 272 |
| Applicable income taxes | $7,823,000 | 426 |
| Income before extraordinary items | $14,701,000 | 464 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $14,701,000 | 466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-132,000 | 9,253 |
| Cash dividends | $6,404,000 | 508 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $13,352,900 | 485 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $97,672,000 | 403 |
| Total interest expense | $44,408,000 | 416 |
| Net interest income | $53,264,000 | 389 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $20,937,000 | 379 |
| Gross Fiduciary activities income | $6,909,000 | 139 |
| Service charges on deposit accounts | $5,187,000 | 310 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $8,841,000 | 449 |
| Total noninterest expense | $46,041,000 | 388 |
| Salaries and employee benefits | $25,828,000 | 313 |
| Premises and equipment expense | $4,958,000 | 463 |
| Additional noninterest expense | $15,255,000 | 425 |
| Pre-tax net operating income | $28,160,000 | 334 |
| Securities gains (losses) | $1,889,000 | 256 |
| Applicable income taxes | $10,609,000 | 324 |
| Income before extraordinary items | $19,440,000 | 333 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $19,440,000 | 331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-98,000 | 9,503 |
| Cash dividends | $2,104,000 | 1,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $18,212,150 | 335 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $93,787,000 | 428 |
| Total interest expense | $45,624,000 | 447 |
| Net interest income | $48,163,000 | 414 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $16,948,000 | 419 |
| Gross Fiduciary activities income | $6,433,000 | 145 |
| Service charges on deposit accounts | $4,837,000 | 298 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $5,678,000 | 590 |
| Total noninterest expense | $38,755,000 | 422 |
| Salaries and employee benefits | $20,618,000 | 363 |
| Premises and equipment expense | $4,910,000 | 468 |
| Additional noninterest expense | $13,227,000 | 480 |
| Pre-tax net operating income | $26,356,000 | 363 |
| Securities gains (losses) | $85,000 | 600 |
| Applicable income taxes | $9,127,000 | 358 |
| Income before extraordinary items | $17,314,000 | 362 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $17,314,000 | 363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-996,000 | 9,887 |
| Cash dividends | $5,704,000 | 561 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $17,258,750 | 362 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $80,001,000 | 478 |
| Total interest expense | $38,309,000 | 466 |
| Net interest income | $41,692,000 | 478 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $21,039,000 | 378 |
| Gross Fiduciary activities income | $5,958,000 | 176 |
| Service charges on deposit accounts | $4,793,000 | 304 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $10,288,000 | 436 |
| Total noninterest expense | $36,205,000 | 472 |
| Salaries and employee benefits | $17,831,000 | 424 |
| Premises and equipment expense | $4,339,000 | 519 |
| Additional noninterest expense | $14,035,000 | 467 |
| Pre-tax net operating income | $26,526,000 | 392 |
| Securities gains (losses) | $234,000 | 504 |
| Applicable income taxes | $10,141,000 | 368 |
| Income before extraordinary items | $16,619,000 | 415 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $16,619,000 | 415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 9,908 |
| Cash dividends | $2,537,000 | 1,112 |
| Sale, conversion, retirement of capital stock, net | $-10,600,000 | 10,217 |
| Net operating income | $16,469,240 | 411 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $73,969,000 | 513 |
| Total interest expense | $36,211,000 | 496 |
| Net interest income | $37,758,000 | 504 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $16,403,000 | 422 |
| Gross Fiduciary activities income | $5,112,000 | 191 |
| Service charges on deposit accounts | $4,249,000 | 314 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $7,042,000 | 522 |
| Total noninterest expense | $34,083,000 | 483 |
| Salaries and employee benefits | $15,849,000 | 460 |
| Premises and equipment expense | $4,097,000 | 535 |
| Additional noninterest expense | $14,137,000 | 452 |
| Pre-tax net operating income | $20,078,000 | 445 |
| Securities gains (losses) | $384,000 | 642 |
| Applicable income taxes | $7,905,000 | 406 |
| Income before extraordinary items | $12,557,000 | 472 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $12,557,000 | 471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-146,000 | 10,319 |
| Cash dividends | $4,531,000 | 691 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $12,311,240 | 464 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $67,699,000 | 548 |
| Total interest expense | $30,795,000 | 570 |
| Net interest income | $36,904,000 | 514 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $19,561,000 | 362 |
| Gross Fiduciary activities income | $4,344,000 | 212 |
| Service charges on deposit accounts | $4,136,000 | 332 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $11,081,000 | 384 |
| Total noninterest expense | $35,511,000 | 442 |
| Salaries and employee benefits | $16,309,000 | 427 |
| Premises and equipment expense | $4,474,000 | 485 |
| Additional noninterest expense | $14,728,000 | 418 |
| Pre-tax net operating income | $20,954,000 | 438 |
| Securities gains (losses) | $536,000 | 412 |
| Applicable income taxes | $8,241,000 | 412 |
| Income before extraordinary items | $13,249,000 | 471 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $13,249,000 | 472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $455,000 | 1,451 |
| Cash dividends | $3,806,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $270,000 | 631 |
| Net operating income | $12,905,960 | 460 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $56,441,000 | 666 |
| Total interest expense | $23,795,000 | 736 |
| Net interest income | $32,646,000 | 619 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $12,589,000 | 512 |
| Gross Fiduciary activities income | $3,950,000 | 248 |
| Service charges on deposit accounts | $3,668,000 | 407 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $4,971,000 | 648 |
| Total noninterest expense | $29,855,000 | 566 |
| Salaries and employee benefits | $14,727,000 | 491 |
| Premises and equipment expense | $4,361,000 | 520 |
| Additional noninterest expense | $10,767,000 | 634 |
| Pre-tax net operating income | $15,380,000 | 550 |
| Securities gains (losses) | $132,000 | 848 |
| Applicable income taxes | $6,044,000 | 514 |
| Income before extraordinary items | $9,468,000 | 614 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $9,468,000 | 614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 2,159 |
| Cash dividends | $3,217,000 | 900 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 797 |
| Net operating income | $9,383,520 | 605 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $45,609,000 | 819 |
| Total interest expense | $16,470,000 | 1,034 |
| Net interest income | $29,139,000 | 689 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $13,366,000 | 510 |
| Gross Fiduciary activities income | $3,708,000 | 266 |
| Service charges on deposit accounts | $3,507,000 | 437 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $6,151,000 | 584 |
| Total noninterest expense | $28,164,000 | 606 |
| Salaries and employee benefits | $13,933,000 | 518 |
| Premises and equipment expense | $3,868,000 | 612 |
| Additional noninterest expense | $10,363,000 | 663 |
| Pre-tax net operating income | $14,341,000 | 620 |
| Securities gains (losses) | $-51,000 | 11,184 |
| Applicable income taxes | $5,438,000 | 585 |
| Income before extraordinary items | $8,852,000 | 659 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $8,852,000 | 659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-651,000 | 11,938 |
| Cash dividends | $2,537,000 | 1,046 |
| Sale, conversion, retirement of capital stock, net | $-269,000 | 10,492 |
| Net operating income | $8,884,640 | 655 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $34,713,000 | 920 |
| Total interest expense | $8,929,000 | 1,451 |
| Net interest income | $25,784,000 | 755 |
| Provision for loan and lease losses | $1,200,000 | 820 |
| Total noninterest income | $11,674,000 | 527 |
| Gross Fiduciary activities income | $3,857,000 | 255 |
| Service charges on deposit accounts | $3,052,000 | 472 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $4,765,000 | 657 |
| Total noninterest expense | $26,203,000 | 653 |
| Salaries and employee benefits | $13,233,000 | 558 |
| Premises and equipment expense | $3,146,000 | 731 |
| Additional noninterest expense | $9,824,000 | 710 |
| Pre-tax net operating income | $10,055,000 | 793 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,003,000 | 1,205 |
| Income before extraordinary items | $8,052,000 | 682 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $8,052,000 | 684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,806,000 | 597 |
| Cash dividends | $793,000 | 2,323 |
| Sale, conversion, retirement of capital stock, net | $-20,000 | 12,471 |
| Net operating income | $8,052,000 | 689 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $35,186,000 | 921 |
| Total interest expense | $9,192,000 | 1,456 |
| Net interest income | $25,994,000 | 745 |
| Provision for loan and lease losses | $6,000,000 | 383 |
| Total noninterest income | $11,918,000 | 538 |
| Gross Fiduciary activities income | $3,915,000 | 257 |
| Service charges on deposit accounts | $3,011,000 | 476 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $4,992,000 | 670 |
| Total noninterest expense | $28,366,000 | 649 |
| Salaries and employee benefits | $13,472,000 | 552 |
| Premises and equipment expense | $3,319,000 | 709 |
| Additional noninterest expense | $11,575,000 | 679 |
| Pre-tax net operating income | $3,546,000 | 1,923 |
| Securities gains (losses) | $561,000 | 830 |
| Applicable income taxes | $363,000 | 5,359 |
| Income before extraordinary items | $3,744,000 | 1,356 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,744,000 | 1,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,495,000 | 441 |
| Cash dividends | $566,000 | 2,788 |
| Sale, conversion, retirement of capital stock, net | $-27,000 | 13,176 |
| Net operating income | $3,233,490 | 1,483 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $40,048,000 | 945 |
| Total interest expense | $13,503,000 | 1,316 |
| Net interest income | $26,545,000 | 753 |
| Provision for loan and lease losses | $9,400,000 | 384 |
| Total noninterest income | $10,421,000 | 581 |
| Gross Fiduciary activities income | $4,011,000 | 249 |
| Service charges on deposit accounts | $2,924,000 | 484 |
| Trading account gains and fees | $-1,459,000 | 5,315 |
| Additional Noninterest Income | $4,945,000 | 683 |
| Total noninterest expense | $25,645,000 | 697 |
| Salaries and employee benefits | $12,474,000 | 586 |
| Premises and equipment expense | $3,123,000 | 769 |
| Additional noninterest expense | $10,048,000 | 766 |
| Pre-tax net operating income | $1,921,000 | 3,219 |
| Securities gains (losses) | $95,000 | 3,090 |
| Applicable income taxes | $310,000 | 5,797 |
| Income before extraordinary items | $1,706,000 | 2,698 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,706,000 | 2,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,695,000 | 395 |
| Cash dividends | $1,699,000 | 982 |
| Sale, conversion, retirement of capital stock, net | $-33,000 | 13,803 |
| Net operating income | $1,625,250 | 2,614 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.