Call reports 2006
COMMUNITY BANK OF THE CHESAPEAKE — 2006
What COMMUNITY BANK OF THE CHESAPEAKE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 545,499,000 | 563,421,000 | 565,059,000 | 574,521,000 |
| Total loans | 383,164,000 | 408,056,000 | 415,538,000 | 426,264,000 |
| Allowance for loan losses | 3,463,000 | 3,549,000 | 3,667,000 | 3,784,000 |
| Securities available for sale | 8,683,000 | 10,523,000 | 11,288,000 | 10,838,000 |
| Securities held to maturity | 114,124,000 | 106,205,000 | 101,383,000 | 97,805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,296,000 | 388,729,000 | 401,063,000 | 418,780,000 |
| Interest-bearing deposits | 328,930,000 | 346,267,000 | 357,248,000 | 374,257,000 |
| Noninterest-bearing deposits | 45,366,000 | 42,462,000 | 43,815,000 | 44,523,000 |
| Equity capital | 44,473,000 | 45,684,000 | 47,161,000 | 48,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,314,000 | 17,245,000 | 26,620,000 | 35,851,000 |
| Interest expense | 3,841,000 | 8,103,000 | 12,716,000 | 17,483,000 |
| Net interest income | 4,473,000 | 9,142,000 | 13,904,000 | 18,368,000 |
| Noninterest income | 463,000 | 867,000 | 1,196,000 | 1,884,000 |
| Noninterest expense | 3,001,000 | 6,077,000 | 9,069,000 | 12,142,000 |
| Provision for loan losses | 86,000 | 172,000 | 289,000 | 406,000 |
| Pretax income | 1,849,000 | 3,760,000 | 5,742,000 | 7,901,000 |
| Income tax | 634,000 | 1,286,000 | 1,962,000 | 2,604,000 |
| Net income | 1,215,000 | 2,474,000 | 3,780,000 | 5,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,555,000 | 45,816,000 | 47,150,000 | 48,646,000 |
| Total capital | 48,117,000 | 49,407,000 | 50,901,000 | 52,476,000 |
| Risk-weighted assets | 425,938,000 | 431,875,000 | 427,289,000 | 445,597,000 |