Call reports 2006
CHAMPLAIN NATIONAL BANK — 2006
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 160,428,000 | 159,462,000 | 163,272,000 | 166,621,000 |
| Total loans | 77,570,000 | 80,845,000 | 82,525,000 | 84,946,000 |
| Allowance for loan losses | 1,375,000 | 1,360,000 | 1,347,000 | 1,390,000 |
| Securities available for sale | 63,429,000 | 60,413,000 | 60,572,000 | 64,245,000 |
| Securities held to maturity | 1,326,000 | 1,275,000 | 1,140,000 | 1,880,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,780,000 | 139,217,000 | 145,450,000 | 147,231,000 |
| Interest-bearing deposits | 112,125,000 | 110,378,000 | 116,327,000 | 120,742,000 |
| Noninterest-bearing deposits | 27,655,000 | 28,838,000 | 29,122,000 | 26,490,000 |
| Equity capital | 13,311,000 | 12,653,000 | 13,808,000 | 13,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,209,000 | 4,490,000 | 6,889,000 | 9,365,000 |
| Interest expense | 507,000 | 1,089,000 | 1,773,000 | 2,588,000 |
| Net interest income | 1,702,000 | 3,401,000 | 5,116,000 | 6,777,000 |
| Noninterest income | 277,000 | 570,000 | 899,000 | 1,194,000 |
| Noninterest expense | 1,756,000 | 3,550,000 | 5,365,000 | 7,069,000 |
| Provision for loan losses | 0 | 0 | 0 | 45,000 |
| Pretax income | 242,000 | 440,000 | 669,000 | 870,000 |
| Income tax | 61,000 | 106,000 | 160,000 | 207,000 |
| Net income | 181,000 | 334,000 | 509,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,419,000 | 14,495,000 | 14,593,000 | 14,670,000 |
| Total capital | 15,674,000 | 15,790,000 | 15,932,000 | 16,032,000 |
| Risk-weighted assets | 100,259,000 | 103,547,000 | 107,081,000 | 108,925,000 |
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