Call reports 2013
COMMUNITY BANK OF THE CHESAPEAKE — 2013
What COMMUNITY BANK OF THE CHESAPEAKE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 966,417,000 | 978,630,000 | 991,352,000 | 1,022,222,000 |
| Total loans | 743,269,000 | 753,605,000 | 767,960,000 | 807,268,000 |
| Allowance for loan losses | 8,350,000 | 8,034,000 | 8,079,000 | 8,138,000 |
| Securities available for sale | 44,515,000 | 54,067,000 | 50,832,000 | 48,209,000 |
| Securities held to maturity | 110,751,000 | 99,896,000 | 91,350,000 | 86,401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 797,670,000 | 783,321,000 | 817,017,000 | 820,600,000 |
| Interest-bearing deposits | 701,150,000 | 692,369,000 | 708,410,000 | 716,316,000 |
| Noninterest-bearing deposits | 96,520,000 | 90,952,000 | 108,607,000 | 104,284,000 |
| Equity capital | 90,416,000 | 91,464,000 | 93,109,000 | 122,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 10,002,000 | 19,844,000 | 29,830,000 | 39,939,000 |
| Interest expense | 1,988,000 | 3,889,000 | 5,686,000 | 7,386,000 |
| Net interest income | 8,014,000 | 15,955,000 | 24,144,000 | 32,553,000 |
| Noninterest income | 1,027,000 | 2,004,000 | 3,113,000 | 3,914,000 |
| Noninterest expense | 5,909,000 | 11,836,000 | 17,919,000 | 24,021,000 |
| Provision for loan losses | 154,000 | 355,000 | 640,000 | 940,000 |
| Pretax income | 2,978,000 | 5,768,000 | 8,698,000 | 11,506,000 |
| Income tax | 1,082,000 | 2,091,000 | 3,160,000 | 4,139,000 |
| Net income | 1,896,000 | 3,677,000 | 5,538,000 | 7,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,352,000 | 92,144,000 | 94,020,000 | 123,067,000 |
| Total capital | 98,809,000 | 100,224,000 | 102,137,000 | 131,216,000 |
| Risk-weighted assets | 761,891,000 | 777,703,000 | 805,312,000 | 842,915,000 |