Bank of Cape Cod

Bank of Cape Cod is headquartered in Hyannis and is the 131^st largest bank in the state of Massachusetts. It is also the 3,823^rd largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 23 employees at 2 locations. Bank of Cape Cod's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

Bank of Cape Cod Routing Number: 011307174

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Data for Q4 2011

Institution Statistics Bank of Cape Cod FDIC Certificate # 58270 BankRate Report View Year Established 2006 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $152.20 million Loans $118.39 million Deposits $124.72 million Equity Capital $17.55 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $495,000 Historic Data - December 2010 Assets $111.37 million Equity Capital $13.20 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $2.08 million Profit Margin - Quarterly Net Interest Margin 3.48% Return on Assets 0.26% Return on Equity 2.33% Interest Income $5.86 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Cape Cod had $495,000 in non-current loans and owned real-estate with $18.98 million in equity and loan loss allowances on hand to cover it. This gives Bank of Cape Cod a Texas Ratio of 2.61% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Cape Cod decreased significantly from 14.30% as of December 31, 2010 to 2.61% as of December 31, 2011, resulting in a positive change of 81.76%.This indicates that the balance sheet and financial strength for Bank of Cape Cod has improved significantly in recent periods. Deposit Growth In the past year, Bank of Cape Cod has increased its total deposits by $36.71 million, resulting in 41.72% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Cape Cod has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Cape Cod has $152.2 million in assets with $18.98 million in equity, resulting in a capitalization level of 12.47%, which is excellent.

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