Call reports 2002
COMMUNITY BANK OF THE CHESAPEAKE — 2002
What COMMUNITY BANK OF THE CHESAPEAKE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 258,024,000 | 268,615,000 | 269,408,000 | 281,330,000 |
| Total loans | 193,455,000 | 199,363,000 | 200,597,000 | 201,026,000 |
| Allowance for loan losses | 2,327,000 | 2,278,000 | 2,295,000 | 2,314,000 |
| Securities available for sale | 42,287,000 | 43,376,000 | 48,218,000 | 49,148,000 |
| Securities held to maturity | 2,981,000 | 2,651,000 | 2,289,000 | 2,842,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,087,000 | 193,624,000 | 192,578,000 | 204,019,000 |
| Interest-bearing deposits | 164,124,000 | 169,957,000 | 168,333,000 | 170,818,000 |
| Noninterest-bearing deposits | 16,963,000 | 23,667,000 | 24,245,000 | 33,201,000 |
| Equity capital | 24,598,000 | 23,523,000 | 24,273,000 | 25,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,178,000 | 8,422,000 | 12,740,000 | 16,861,000 |
| Interest expense | 1,563,000 | 3,062,000 | 4,546,000 | 5,985,000 |
| Net interest income | 2,615,000 | 5,360,000 | 8,194,000 | 10,876,000 |
| Noninterest income | 387,000 | 749,000 | 1,097,000 | 1,746,000 |
| Noninterest expense | 1,884,000 | 5,306,000 | 7,307,000 | 9,291,000 |
| Provision for loan losses | 70,000 | 100,000 | 130,000 | 160,000 |
| Pretax income | 1,048,000 | 703,000 | 1,854,000 | 3,171,000 |
| Income tax | 365,000 | 230,000 | 621,000 | 1,113,000 |
| Net income | 683,000 | 473,000 | 1,233,000 | 2,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,144,000 | 22,990,000 | 23,751,000 | 24,576,000 |
| Total capital | 26,540,000 | 25,350,000 | 26,141,000 | 26,991,000 |
| Risk-weighted assets | 194,129,000 | 199,960,000 | 201,115,000 | 208,090,000 |