Call reports 2008
COMMUNITY BANK OF THE CHESAPEAKE — 2008
What COMMUNITY BANK OF THE CHESAPEAKE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 631,867,000 | 643,022,000 | 675,463,000 | 714,638,000 |
| Total loans | 472,889,000 | 499,639,000 | 519,000,000 | 548,123,000 |
| Allowance for loan losses | 4,616,000 | 4,602,000 | 5,044,000 | 5,146,000 |
| Securities available for sale | 16,968,000 | 13,856,000 | 14,261,000 | 14,524,000 |
| Securities held to maturity | 94,598,000 | 92,326,000 | 91,053,000 | 108,712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,870,000 | 464,740,000 | 503,377,000 | 525,524,000 |
| Interest-bearing deposits | 416,236,000 | 419,251,000 | 459,097,000 | 474,435,000 |
| Noninterest-bearing deposits | 45,634,000 | 45,489,000 | 44,280,000 | 51,089,000 |
| Equity capital | 59,784,000 | 59,719,000 | 60,870,000 | 77,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,564,000 | 18,961,000 | 28,362,000 | 37,594,000 |
| Interest expense | 4,436,000 | 8,710,000 | 13,049,000 | 17,394,000 |
| Net interest income | 5,128,000 | 10,251,000 | 15,313,000 | 20,200,000 |
| Noninterest income | 530,000 | 1,112,000 | 1,664,000 | 2,235,000 |
| Noninterest expense | 3,271,000 | 6,927,000 | 10,467,000 | 14,163,000 |
| Provision for loan losses | 160,000 | 155,000 | 617,000 | 1,301,000 |
| Pretax income | 2,227,000 | 4,281,000 | 5,893,000 | 6,917,000 |
| Income tax | 716,000 | 1,468,000 | 2,039,000 | 2,403,000 |
| Net income | 1,511,000 | 2,813,000 | 3,854,000 | 4,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,558,000 | 59,863,000 | 60,907,000 | 77,006,000 |
| Total capital | 64,225,000 | 64,481,000 | 66,033,000 | 82,194,000 |
| Risk-weighted assets | 498,512,000 | 516,176,000 | 539,751,000 | 568,842,000 |
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