Annual Meeting 2019 Community Commitment
Welcome
Community Commitment
Agenda
Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019
Welcome
Community Commitment
Agenda
Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019
Community Commitment
Photograph courtesy of Historic New England, Alice Brown Collection, with appreciation to Mashpee Historical Commission
Photograph courtesy of the Bourne Historical Society
October 16, 2019
Community Commitment
October 16, 2019
Enriching Lives Community Commitment
Fairness Mutual Respect Highest Ethical Standards Trustworthiness October 16, 2019
Strategic Goals Community Commitment
Financial Strength Trusted Advisor Employees Community October 16, 2019
Culture Community Commitment
October 16, 2019
Culture Community Commitment
October 16, 2019
Communication
Culture Community Commitment
October 16, 2019
Communication Innovation
Culture Community Commitment
October 16, 2019
Communication Innovation Change Readiness
Community Commitment
October 16, 2019
Tom Evans • Chair, Foundation Nominating Committee • Vice Chair, Cape Cod 5 Bert Talerman • Vice Chair, Foundation • Co-President, Cape Cod 5 Matt Burke • Treasurer, Foundation • Co-President, Cape Cod 5 Joel Brickman • Secretary, Foundation • General Counsel and Clerk, Cape Cod 5 Kristen Foresta • Assistant Treasurer, Foundation • Director of Accounting, Cape Cod 5
Economic Outlook Community Commitment
October 16, 2019
Local Changes Community Commitment
October 16, 2019
Five Ways of Engagement Community Commitment
October 16, 2019
Community Engagement Governance Community Commitment
Board of Trustees Community Engagement Board Committee Community Engagement Management Committee Community Engagement Steering Committee
October 16, 2019
Community Engagement Governance Community Commitment
Employee Benefit: 15 Hours paid time to volunteer for a non-profit of employee’s choosing
Expanding Financial Know-How (In-Person and Digital)
Employee Benefit: annual donation matching up to $250 October 16, 2019
Community Engagement Governance Community Commitment
October 16, 2019
Blackbaud Community Commitment
October 16, 2019
Five Areas of Focus Community Commitment
Accessible Housing Education & Enrichment Economic Sustainability Community Health, Human Need & Active Service Members’ / Veteran’s Needs Environmental Stewardship
October 16, 2019
Impact: Accessible Housing Community Commitment
Leading producer of loan volume for Mass Housing in Barnstable County for last
14 years and for the last 4 years in Nantucket County
15 MassHousing financed loans
$2.8 million in MassHousing Financed Loans
21 employees October 16, 2019
Serving on board for local housing organizations
$99,633
Donated to Accessible Housing supporting
9 organizations
212 People
reached by First Time Homebuyer workshops
150 Affordable
and sustained home loans closed
Impact: Education and Enrichment Community Commitment
14 Credit for Life Fairs serving 1,140 students 13,140 students
reached program since 2011 inception
64 Financial
Calculators on the Cape Cod 5 website used by
2,068 Community members reached by Financial Education Initiatives
October 16, 2019
34
Financial Education events held
30,689 people to date
$137,108 donated to
support 93 organizations
Impact: Economic Sustainability Community Commitment
$441,989 In donations to 200 organizations
$109,949 Supporting
$6.47 million Approved in SBA Loans
October 16, 2019
28
New workforce housing units created as result of CC5 lending activity
23 organizations specific
to workforce development ($66,546 for childcare) ($43,400 for workforce dev.)
360
Commercial Loans closed
Community Commitment
Impact: Community Health, Human Need and Active Service Members’/Veterans’ Needs 89
Employees serving on local boards
$521,561
Donated to support
169 community organizations
2,089
Volunteer Hours
100 Organizations
October 16, 2019
supported by additional corporate leadership of employees
31 donors donating 28
units of blood at two blood drives hosted by CC5
$1.25 Million in total year to date donations
Impact: Environmental Stewardship Community Commitment
$53,215 Supporting
31 organizations
15,000 sq.ft.
Of Soar Panels at HQ5
generating 300,000 watts
Solar Loan Program
October 16, 2019
Rolled out Bank-wide
11
Green Certified Banking Centers
Support and attend major local events such as
NetZero Conference and
Electric Car Show/Home Energy Showcase
13
Employees serving on boards for local Environmental Stewardship Organizations
Combined Bank and Foundation Giving (In thousands)
Community Commitment
$1,800 $1,600 $1,400 $1,200 $1,000 $800 $600 $400 $200 $-
October 16, 2019
Dec-14A Dec-15A Dec-16A Dec-17A Dec-18A Sep-19A Dec-19P Bank Contributions
A =Actual P =Projected
Foundation Contributions
Welcome
Community Commitment
Agenda
Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019
Community Commitment
Annual Meeting of The Cape Cod Five Cents Savings Bank Charitable Foundation Trust I. Call to Order II. Approval of the Minutes of the October 3, 2018 Annual Meeting III. Approval of the Proposed Foundation Modernization Resolutions IV. Report of the Nominating Committee V. Treasurer’s Report VI. Adjourn
October 16, 2019
Community Commitment
Minutes of the October 3, 2018 Annual Meeting of The Cape Cod Five Cents Savings Bank Charitable Foundation Trust Motion & Vote
October 16, 2019
Community Commitment
Proposed Foundation Modernization Resolutions
October 16, 2019
Community Commitment
Proposed Foundation Modernization Resolutions Motion & Vote
October 16, 2019
Community Commitment
Foundation Modernization: Next Steps
October 16, 2019
Community Commitment
Report of the Nominating Committee
October 16, 2019
Community Commitment
Motions & Votes • Waive By-Law Requirement • Election of Officers, Trustees and Committee Members
October 16, 2019
Community Commitment
Treasurer’s Report
October 16, 2019
Welcome
Community Commitment
Agenda
Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019
Welcome
Community Commitment
Agenda
Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019
Community Commitment
Mid-Year Meeting of the Corporators of the Cape Cod Five Mutual Company I. Call to Order II. Approval of the Minutes of the May 15, 2019 Annual Meeting III.Adjourn
October 16, 2019
Community Commitment
Minutes of the May 15, 2019 Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Motion & Vote
October 16, 2019
Thank you for your service! Community Commitment
Myer Singer
Trustee 1980 - 2014 October 16, 2019
Corporator 1977 - 2019
Linda Gadkowski
Trustee 1997 - 2012
Corporator 1994 – 2019
Community Commitment
October 16, 2019
In Memoriam James F. Lyons Richard Curley
Picture to be inserted
Picture to be inserted
July 24, 1932 – June 19, 2019
July 21, 1934 – October 6, 2019
Trustee 1994 - 2007
Corporator 1985 - 2019
Corporator 1992 - 2019
Welcome
Community Commitment
Agenda
Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019
Welcome
Community Commitment
Agenda
Cape Cod 5 Community Commitment Goal: Overview and Update Annual Meeting of the Cape Cod Five Cents Charitable Foundation Trust Annual Meeting of the Corporators of the Cape Cod Five Mutual Company Cape Cod 5: Financial Strength, Trusted Financial Advisor and Employee Goals: Update Reception October 16, 2019
Four Strategic Goals Community Commitment
Financial Strength Trusted Financial Advisor Employees Community
October 16, 2019
Four Strategic Goals Community Commitment
Financial Strength Trusted Financial Advisor Employees Community
October 16, 2019
Total Assets (In thousands)
Community Commitment
$4,000,000 $3,500,000 $3,000,000 $2,500,000 $2,000,000 $1,500,000 $1,000,000 $500,000 $October 16, 2019
Dec-14
Dec-15
Dec-16
Dec-17
Dec-18
Sep-19
Net Income - Year to Date (In thousands)
Community Commitment
$20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 $-
October 16, 2019
Sep-14
Sep-15
Sep-16
Sep-17
Sep-18
Sep-19
Capital (In thousands)
Community Commitment
$350,000 $300,000 $250,000 $200,000 $150,000 $100,000 $50,000 $October 16, 2019
Dec-14
Dec-15
Dec-16
Dec-17
Dec-18
Sep-19
Wealth Management Services (In thousands)
Community Commitment
$1,750,000 $1,500,000 $1,250,000 $1,000,000 $750,000 $500,000 $250,000 $-
Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Sep-19 Assets Under Management Assets Under Custody Investment Services October 16, 2019
Community Commitment
Loans Serviced (In thousands) $6,000,000 $5,000,000 $4,000,000 $3,000,000 $2,000,000 $1,000,000 $-
October 16, 2019
Dec-14
Dec-15 Dec-16 Portfolio
Dec-17 Dec-18 Investors
Sep-19
Deposits (In thousands)
Community Commitment
$3,500,000 $3,000,000 $2,500,000 $2,000,000 $1,500,000 $1,000,000 $500,000 $-
October 16, 2019
Dec-14
Dec-15
Dec-16
Dec-17
Dec-18
Sep-19
Four Strategic Goals Community Commitment
Financial Strength Trusted Financial Advisor Employees Community
October 16, 2019
Trusted Advisor: In-Person Community Commitment
Pinehills ATM COMING
October 16, 2019
Trusted Advisor: Digital Community Commitment
October 16, 2019
Four Strategic Goals Community Commitment
Financial Strength Trusted Financial Advisor Employees Community
October 16, 2019
Employees Community Commitment
October 16, 2019
HQ5 Community Commitment
October 16, 2019
Community Commitment
October 16, 2019