Call reports 2003
COMMUNITY BANK OF THE CHESAPEAKE — 2003
What COMMUNITY BANK OF THE CHESAPEAKE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 292,940,000 | 300,747,000 | 336,457,000 | 351,147,000 |
| Total loans | 195,964,000 | 199,275,000 | 209,148,000 | 220,788,000 |
| Allowance for loan losses | 2,319,000 | 2,378,000 | 2,409,000 | 2,573,000 |
| Securities available for sale | 55,109,000 | 68,853,000 | 53,596,000 | 38,769,000 |
| Securities held to maturity | 2,448,000 | 3,190,000 | 45,929,000 | 61,328,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,009,000 | 214,089,000 | 218,041,000 | 228,027,000 |
| Interest-bearing deposits | 177,957,000 | 183,290,000 | 188,113,000 | 198,540,000 |
| Noninterest-bearing deposits | 34,052,000 | 30,799,000 | 29,928,000 | 29,487,000 |
| Equity capital | 25,445,000 | 25,550,000 | 25,668,000 | 26,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,924,000 | 7,931,000 | 12,042,000 | 16,383,000 |
| Interest expense | 1,369,000 | 2,749,000 | 4,183,000 | 5,705,000 |
| Net interest income | 2,555,000 | 5,182,000 | 7,859,000 | 10,678,000 |
| Noninterest income | 382,000 | 753,000 | 1,186,000 | 1,534,000 |
| Noninterest expense | 1,874,000 | 3,965,000 | 6,142,000 | 8,253,000 |
| Provision for loan losses | 5,000 | 114,000 | 145,000 | 317,000 |
| Pretax income | 1,058,000 | 1,856,000 | 2,758,000 | 3,642,000 |
| Income tax | 324,000 | 628,000 | 937,000 | 1,088,000 |
| Net income | 734,000 | 1,228,000 | 1,821,000 | 2,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,310,000 | 25,304,000 | 25,897,000 | 26,630,000 |
| Total capital | 27,723,000 | 27,772,000 | 28,392,000 | 29,203,000 |
| Risk-weighted assets | 210,774,000 | 216,246,000 | 230,492,000 | 248,900,000 |