Call reports 2005
CHESAPEAKE BANK — 2005
What CHESAPEAKE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 361,859,000 | 378,339,000 | 380,035,000 | 379,292,000 |
| Total loans | 290,106,000 | 295,569,000 | 296,275,000 | 299,922,000 |
| Allowance for loan losses | 4,329,000 | 4,680,000 | 4,922,000 | 4,813,000 |
| Securities available for sale | 47,460,000 | 47,295,000 | 53,124,000 | 51,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,403,000 | 339,038,000 | 336,353,000 | 331,104,000 |
| Interest-bearing deposits | 245,633,000 | 267,487,000 | 264,871,000 | 260,727,000 |
| Noninterest-bearing deposits | 62,770,000 | 71,551,000 | 71,482,000 | 70,378,000 |
| Equity capital | 30,876,000 | 32,088,000 | 32,667,000 | 33,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,358,000 | 10,991,000 | 16,870,000 | 22,931,000 |
| Interest expense | 1,152,000 | 2,485,000 | 4,026,000 | 5,677,000 |
| Net interest income | 4,206,000 | 8,506,000 | 12,844,000 | 17,254,000 |
| Noninterest income | 1,102,000 | 2,382,000 | 3,950,000 | 5,426,000 |
| Noninterest expense | 3,534,000 | 7,190,000 | 11,137,000 | 14,986,000 |
| Provision for loan losses | 345,000 | 740,000 | 1,085,000 | 1,290,000 |
| Pretax income | 1,565,000 | 3,093,000 | 4,707,000 | 6,515,000 |
| Income tax | 391,000 | 773,000 | 1,177,000 | 1,787,000 |
| Net income | 1,174,000 | 2,320,000 | 3,530,000 | 4,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,016,000 | 30,862,000 | 31,772,000 | 32,670,000 |
| Total capital | 34,001,000 | 34,953,000 | 35,889,000 | 36,866,000 |
| Risk-weighted assets | 318,433,000 | 326,627,000 | 328,592,000 | 335,025,000 |