Call reports 2004
CHESAPEAKE BANK — 2004
What CHESAPEAKE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 331,504,000 | 340,117,000 | 348,741,000 | 358,554,000 |
| Total loans | 235,623,000 | 248,862,000 | 263,435,000 | 282,047,000 |
| Allowance for loan losses | 3,409,000 | 3,600,000 | 3,710,000 | 3,966,000 |
| Securities available for sale | 75,401,000 | 67,412,000 | 62,249,000 | 54,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,941,000 | 294,480,000 | 301,133,000 | 311,779,000 |
| Interest-bearing deposits | 227,656,000 | 230,918,000 | 236,307,000 | 239,735,000 |
| Noninterest-bearing deposits | 56,285,000 | 63,562,000 | 64,826,000 | 72,044,000 |
| Equity capital | 28,512,000 | 28,236,000 | 29,761,000 | 30,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,642,000 | 9,279,000 | 14,132,000 | 19,399,000 |
| Interest expense | 903,000 | 1,793,000 | 2,748,000 | 3,784,000 |
| Net interest income | 3,739,000 | 7,486,000 | 11,384,000 | 15,615,000 |
| Noninterest income | 938,000 | 1,989,000 | 3,295,000 | 4,436,000 |
| Noninterest expense | 3,261,000 | 6,591,000 | 9,935,000 | 13,305,000 |
| Provision for loan losses | 260,000 | 550,000 | 840,000 | 1,155,000 |
| Pretax income | 1,406,000 | 2,608,000 | 4,179,000 | 5,906,000 |
| Income tax | 351,000 | 652,000 | 1,045,000 | 1,590,000 |
| Net income | 1,055,000 | 1,956,000 | 3,134,000 | 4,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,781,000 | 27,382,000 | 28,260,000 | 29,142,000 |
| Total capital | 30,102,000 | 30,876,000 | 31,910,000 | 33,007,000 |
| Risk-weighted assets | 265,618,000 | 279,404,000 | 291,925,000 | 309,129,000 |