Call reports 2005
COMMUNITY BANK OF THE CHESAPEAKE — 2005
What COMMUNITY BANK OF THE CHESAPEAKE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 539,543,000 | 542,687,000 | 528,025,000 | 540,398,000 |
| Total loans | 320,067,000 | 342,485,000 | 351,911,000 | 372,975,000 |
| Allowance for loan losses | 3,120,000 | 3,243,000 | 3,258,000 | 3,383,000 |
| Securities available for sale | 12,013,000 | 12,647,000 | 8,387,000 | 8,447,000 |
| Securities held to maturity | 171,540,000 | 150,531,000 | 128,094,000 | 116,487,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,947,000 | 318,326,000 | 332,776,000 | 364,319,000 |
| Interest-bearing deposits | 241,148,000 | 276,305,000 | 291,876,000 | 319,113,000 |
| Noninterest-bearing deposits | 40,799,000 | 42,021,000 | 40,900,000 | 45,206,000 |
| Equity capital | 37,352,000 | 43,755,000 | 44,371,000 | 45,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,560,000 | 13,915,000 | 21,388,000 | 29,211,000 |
| Interest expense | 2,686,000 | 5,982,000 | 9,372,000 | 13,019,000 |
| Net interest income | 3,874,000 | 7,933,000 | 12,016,000 | 16,192,000 |
| Noninterest income | 381,000 | 782,000 | 1,211,000 | 1,601,000 |
| Noninterest expense | 2,491,000 | 5,029,000 | 7,790,000 | 10,597,000 |
| Provision for loan losses | 63,000 | 189,000 | 200,000 | 329,000 |
| Pretax income | 1,686,000 | 3,482,000 | 5,222,000 | 6,852,000 |
| Income tax | 569,000 | 1,178,000 | 1,769,000 | 2,331,000 |
| Net income | 1,117,000 | 2,304,000 | 3,453,000 | 4,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,465,000 | 43,858,000 | 44,440,000 | 45,337,000 |
| Total capital | 40,685,000 | 47,238,000 | 47,787,000 | 48,827,000 |
| Risk-weighted assets | 391,390,000 | 383,543,000 | 387,398,000 | 417,393,000 |