Call reports 2007
COMMUNITY BANK OF THE CHESAPEAKE — 2007
What COMMUNITY BANK OF THE CHESAPEAKE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 582,296,000 | 579,613,000 | 596,280,000 | 596,824,000 |
| Total loans | 440,317,000 | 445,018,000 | 445,039,000 | 458,097,000 |
| Allowance for loan losses | 3,985,000 | 4,047,000 | 4,293,000 | 4,483,000 |
| Securities available for sale | 9,927,000 | 9,665,000 | 13,726,000 | 10,448,000 |
| Securities held to maturity | 95,180,000 | 90,309,000 | 85,961,000 | 92,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,202,000 | 433,538,000 | 457,436,000 | 445,227,000 |
| Interest-bearing deposits | 392,859,000 | 383,916,000 | 410,210,000 | 396,928,000 |
| Noninterest-bearing deposits | 50,343,000 | 49,622,000 | 47,226,000 | 48,299,000 |
| Equity capital | 48,373,000 | 49,784,000 | 51,665,000 | 59,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,522,000 | 19,312,000 | 29,282,000 | 39,024,000 |
| Interest expense | 4,744,000 | 9,482,000 | 14,358,000 | 18,991,000 |
| Net interest income | 4,778,000 | 9,830,000 | 14,924,000 | 20,033,000 |
| Noninterest income | 535,000 | 1,036,000 | 2,768,000 | 3,295,000 |
| Noninterest expense | 3,136,000 | 6,161,000 | 9,053,000 | 12,490,000 |
| Provision for loan losses | 256,000 | 354,000 | 659,000 | 855,000 |
| Pretax income | 1,938,000 | 4,367,000 | 7,996,000 | 9,956,000 |
| Income tax | 690,000 | 1,566,000 | 2,895,000 | 3,578,000 |
| Net income | 1,248,000 | 2,801,000 | 5,101,000 | 6,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,397,000 | 49,968,000 | 51,757,000 | 59,859,000 |
| Total capital | 52,425,000 | 54,038,000 | 56,086,000 | 64,402,000 |
| Risk-weighted assets | 459,079,000 | 464,232,000 | 462,000,000 | 474,428,000 |