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Bank of Cape Cod

Hyannis, MA · Cert 58270

FDIC · 4 branches

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bank of Cape Cod

Hyannis, MA · Cert 58270

FDIC · 4 branches

Q3 2016

$261.9MAssets
$229.9MLoans
$202.5MDeposits
$27.3MEquity
Loan mix
77%RE $113.0M23%C&I $33.4M0%Consumer $0.0MQ3 2015Q3 2016
Deposit mix
84%Interest-bearing $170.5M16%Noninterest $32.0MQ3 2015Q3 2016

NIM

3.78%Q3 ’143.72%Q3 ’153.81%Q3 ’16+1%+3%

Non-interest income vs. expense

2.79%Q3 ’142.88%Q3 ’152.96%Q3 ’16+1%+5%

Market Position · Barnstable Town, MA · 2016 SOD (annual) · 2.6% share · #10 of 11 inst. · $0.2B of $7.5B

Executive Summary

  • Earnings: ROA of 0.31%, up 3 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.27%, up 39 bps from a year ago.
  • Funding: loans stand at 113.53% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.31%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+8 bps YoY

Efficiency Ratio (YTD, annualized)

86.23%+152 bps YoY

Tier 1 Leverage Ratio

10.27%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.28%0.30%0.31%0.38%0.31%+3 bps
Return on Equity2.69%2.88%3.08%3.69%3.04%+35 bps
Net Interest Margin3.07%3.01%3.08%3.13%3.14%+8 bps
Efficiency Ratio84.71%85.94%84.98%82.07%86.23%+152 bps
Non-Interest Burden2.54%2.52%2.56%2.51%2.66%+13 bps
Growth
Asset Growth (YoY)8.29%9.76%9.24%4.60%-0.81%-911 bps
Loan Growth (YoY)16.16%15.05%12.44%6.67%3.08%-1,308 bps
Deposit Growth (YoY)5.78%7.25%5.71%-3.43%-7.17%-1,295 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.00%0.00%0.00%0.00%-6 bps
Allowance / Loans1.01%0.98%0.97%0.97%0.98%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.88%9.94%10.22%10.31%10.27%+39 bps
Total Risk-Based Capital12.73%12.78%12.86%12.95%13.16%+43 bps
Equity / Assets9.95%10.15%10.25%10.38%10.42%+46 bps
Liquidity & Funding
Loans / Deposits102.24%107.12%111.59%119.11%113.53%+1,129 bps
Liquid Assets / Assets9.91%7.09%5.28%4.03%6.52%-338 bps
CRE / Total Capitaln/an/an/an/an/an/an/a