The Chesapeake Bank & Trust Co. in city_name, state_name - Detailed Financial Reports, Location

The Chesapeake Bank & Trust Co. in Chestertown, Maryland (MD)
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The Chesapeake Bank & Trust Co. routing number info

The Chesapeake Bank & Trust Co. - Overview

General
FDIC Certificate #: 26847
Status: Active
Federal Reserve ID: 304520
Bank Holding Company (Regulatory Top Holder): Chesapeake Bancorp Employee Stock Ownership Plan With 401(K) Provisions (RSSDID: 2857758, Location: Chestertown, MD)
Date Established: December 15, 1986
WWW: http://www.chesapeaketrust.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 11320
FDIC's unique #: 36091
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: December 15, 1986
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 245 High Street, Chestertown, MD 21620
County: Kent
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Baltimore
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $92.1 mil
Equity capital: $9.8 mil
Deposits held in domestic offices: $62.9 mil
Return on assets (ROA): 2.05% ($1.9 mil)
Quarterly return on assets: 3.62% ($3.3 mil)
Return on Equity (ROE): 19.85% ($2.0 mil)
Quarterly return on equity: 35.65% ($3.6 mil)
Net income: $2.0 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 2.05% ($1,889.0 mil)
Quarterly Pretax return on assets: 3.62% ($3,335.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
21Total employees (full-time equivalent)
$92,144Total assets
$4,029Cash and due from depository institutions
$326Interest-bearing balances
$20,020Securities
$0Federal funds sold & reverse repurchase agreements
$62,527Net loans & leases
$1,120Loan loss allowance
$0Trading account assets
$270Bank premises and fixed assets
$1,618Other real estate owned
$0Goodwill and other intangibles
$92,144Life insurance assets
$3,680All other assets
$82,371Total liabilities and capital
$62,856Total liabilities
$48,953Total deposits
$62,856Interest-bearing deposits
$95Deposits held in domestic offices
16177.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$873Trading liabilities
$0Other borrowed funds
$2,465Subordinated debt
$9,773All other liabilities
$9,773Total equity capital
$9,773Total bank equity capital
$0Perpetual preferred stock
$2,910Common stock
$2,915Surplus
$3,948Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$862Income earned, not collected on loans
$0Earning assets
$287Long-term assets (5+ years)
$82,873Average Assets, year-to-date
$1,326Average Assets, quarterly
$96,928Volatile liabilities
$97,495Insider loans
$61,943FHLB advances
$96,390Loans and leases held for sale
$2,779Unused loan commitments
$2,779Tier 1 (core) risk-based capital
$9,771Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$21,692Restructured Loans and leases
$1,422Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,088Total interest income
$556Total interest expense
$3,532Net interest income
$84Provision for loan and lease losses
$835Total noninterest income
$0Fiduciary activities
$155Service charges on deposit accounts
$0Trading account gains & fees
$680Additional noninterest income
$2,297Total noninterest expense
$1,097Salaries and employee benefits
$171Premises and equipment expense
$1,029Additional noninterest expense
$1,986Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,986Income before extraordinary items
$0Extraordinary gains - net
$1,986Net income attributable to bank
$0Net charge-offs
$1,986Cash dividends
$195Sale, conversion, retirement of capital stock, net
$2,310Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.81%Yield on earning assets
0.65%Cost of funding earning assets
4.16%Net interest margin
0.98%Noninterest income to earning assets
2.70%Noninterest expense to earning assets
2.05%Net operating income to assets
2.05%Return on assets (ROA)
2.05%Pretax return on assets
19.85%Return on equity (ROE)
-3.24%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
43.08%Credit loss provision to net charge-offs
10.62%Efficiency ratio
52,599Assets per employee
4.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
116.31%Loss allowance to loans
1.76%Loss allowance to noncurrent loans
129.93%Noncurrent assets plus other real estate owned to assets
2.69%Noncurrent loans to loans
1.35%Net loans and leases to deposits
99.48%Net loans and leases to core deposits
107.64%Equity capital to assets
10.61%Core capital (leverage) ratio
10.14%Tier 1 risk-based capital ratio
15.77%Total risk-based capital ratio
Memoranda
$17Average assets
$96,928Average earning assets
$10,005Average equity
$84,938Average loans

List of branches

2 Maryland Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	36091	The Chesapeake Bank & Trust Co.	245 High Street, Chestertown, MD 21620	December 15, 1986	Full Service Brick and Mortar
3	204397	Chestertown Drive-In Branch	301 Morgnec Road, Chestertown, MD 21620	July 02, 1962	Full Service Brick and Mortar

The Chesapeake Bank & Trust Co. in Chestertown, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Chesapeake Bank & Trust Co. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Chesapeake Bank & Trust Co. in Chestertown, Maryland (MD)Overview, Financial Summary, Detailed Financial Reports, Branches

The Chesapeake Bank & Trust Co. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Chesapeake Bank & Trust Co. in Chestertown, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches