Call reports 2005
CHAMPLAIN NATIONAL BANK — 2005
What CHAMPLAIN NATIONAL 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 | 159,836,000 | 162,003,000 | 161,664,000 | 161,474,000 |
| Total loans | 75,592,000 | 75,285,000 | 77,364,000 | 77,283,000 |
| Allowance for loan losses | 1,377,000 | 1,409,000 | 1,391,000 | 1,402,000 |
| Securities available for sale | 65,627,000 | 69,665,000 | 68,252,000 | 67,541,000 |
| Securities held to maturity | 1,617,000 | 1,559,000 | 1,671,000 | 1,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,298,000 | 135,459,000 | 133,932,000 | 130,370,000 |
| Interest-bearing deposits | 108,949,000 | 105,246,000 | 102,499,000 | 99,436,000 |
| Noninterest-bearing deposits | 27,348,000 | 30,213,000 | 31,433,000 | 30,934,000 |
| Equity capital | 13,156,000 | 13,931,000 | 13,638,000 | 13,425,000 |
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 | 1,931,000 | 3,974,000 | 6,083,000 | 8,247,000 |
| Interest expense | 309,000 | 680,000 | 1,065,000 | 1,491,000 |
| Net interest income | 1,622,000 | 3,294,000 | 5,018,000 | 6,756,000 |
| Noninterest income | 257,000 | 535,000 | 800,000 | 1,017,000 |
| Noninterest expense | 1,696,000 | 3,416,000 | 5,104,000 | 6,830,000 |
| Provision for loan losses | 0 | 36,000 | 36,000 | 36,000 |
| Pretax income | 385,000 | 618,000 | 919,000 | 1,148,000 |
| Income tax | 104,000 | 151,000 | 228,000 | 230,000 |
| Net income | 281,000 | 467,000 | 691,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,905,000 | 14,015,000 | 14,163,000 | 14,314,000 |
| Total capital | 15,155,000 | 15,236,000 | 15,403,000 | 15,553,000 |
| Risk-weighted assets | 99,870,000 | 97,102,000 | 99,023,000 | 98,938,000 |
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