Call reports 2007
CHESAPEAKE BANK — 2007
What CHESAPEAKE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 426,699,000 | 439,005,000 | 460,136,000 | 479,538,000 |
| Total loans | 334,449,000 | 343,073,000 | 350,018,000 | 361,647,000 |
| Allowance for loan losses | 5,105,000 | 5,269,000 | 5,336,000 | 5,439,000 |
| Securities available for sale | 56,487,000 | 58,050,000 | 75,663,000 | 79,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,082,000 | 379,630,000 | 393,178,000 | 398,242,000 |
| Interest-bearing deposits | 302,847,000 | 309,426,000 | 310,067,000 | 319,782,000 |
| Noninterest-bearing deposits | 67,235,000 | 70,204,000 | 83,111,000 | 78,460,000 |
| Equity capital | 38,057,000 | 38,901,000 | 40,916,000 | 42,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,382,000 | 15,291,000 | 23,505,000 | 31,864,000 |
| Interest expense | 2,793,000 | 5,802,000 | 8,882,000 | 12,020,000 |
| Net interest income | 4,589,000 | 9,489,000 | 14,623,000 | 19,844,000 |
| Noninterest income | 1,523,000 | 3,228,000 | 5,182,000 | 7,124,000 |
| Noninterest expense | 4,184,000 | 8,862,000 | 13,380,000 | 18,164,000 |
| Provision for loan losses | 195,000 | 360,000 | 460,000 | 610,000 |
| Pretax income | 1,721,000 | 3,500,000 | 5,983,000 | 8,281,000 |
| Income tax | 430,000 | 875,000 | 1,496,000 | 2,421,000 |
| Net income | 1,291,000 | 2,625,000 | 4,487,000 | 5,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,579,000 | 38,613,000 | 40,176,000 | 41,248,000 |
| Total capital | 42,212,000 | 43,402,000 | 45,084,000 | 46,289,000 |
| Risk-weighted assets | 370,199,000 | 382,633,000 | 392,241,000 | 402,907,000 |