Call reports 2003
CHESAPEAKE BANK — 2003
What CHESAPEAKE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 301,938,000 | 307,194,000 | 310,934,000 | 328,523,000 |
| Total loans | 227,284,000 | 234,435,000 | 231,665,000 | 229,663,000 |
| Allowance for loan losses | 4,233,000 | 4,255,000 | 3,427,000 | 3,192,000 |
| Securities available for sale | 53,242,000 | 48,378,000 | 45,542,000 | 72,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,224,000 | 271,032,000 | 276,249,000 | 293,250,000 |
| Interest-bearing deposits | 214,648,000 | 217,150,000 | 222,032,000 | 235,840,000 |
| Noninterest-bearing deposits | 53,576,000 | 53,882,000 | 54,216,000 | 57,411,000 |
| Equity capital | 25,309,000 | 26,405,000 | 26,792,000 | 27,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,613,000 | 9,189,000 | 13,733,000 | 18,122,000 |
| Interest expense | 1,118,000 | 2,175,000 | 3,182,000 | 4,139,000 |
| Net interest income | 3,495,000 | 7,014,000 | 10,551,000 | 13,983,000 |
| Noninterest income | 826,000 | 1,782,000 | 3,006,000 | 4,001,000 |
| Noninterest expense | 2,753,000 | 5,556,000 | 8,533,000 | 11,624,000 |
| Provision for loan losses | 260,000 | 500,000 | 940,000 | 1,180,000 |
| Pretax income | 1,308,000 | 2,740,000 | 4,084,000 | 5,180,000 |
| Income tax | 340,000 | 712,000 | 1,062,000 | 1,320,000 |
| Net income | 968,000 | 2,028,000 | 3,022,000 | 3,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,033,000 | 24,794,000 | 25,489,000 | 26,026,000 |
| Total capital | 27,134,000 | 28,006,000 | 28,795,000 | 29,218,000 |
| Risk-weighted assets | 246,950,000 | 255,950,000 | 264,365,000 | 260,515,000 |