Call reports 2007
CHAMPLAIN NATIONAL BANK — 2007
What CHAMPLAIN NATIONAL 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 | 173,868,000 | 169,001,000 | 178,453,000 | 182,790,000 |
| Total loans | 86,036,000 | 89,172,000 | 91,111,000 | 94,220,000 |
| Allowance for loan losses | 1,437,000 | 1,523,000 | 1,542,000 | 1,602,000 |
| Securities available for sale | 63,112,000 | 61,221,000 | 65,792,000 | 70,806,000 |
| Securities held to maturity | 1,788,000 | 1,736,000 | 1,865,000 | 1,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,177,000 | 151,503,000 | 155,426,000 | 154,416,000 |
| Interest-bearing deposits | 127,649,000 | 123,241,000 | 123,856,000 | 127,083,000 |
| Noninterest-bearing deposits | 28,529,000 | 28,262,000 | 31,570,000 | 27,332,000 |
| Equity capital | 14,111,000 | 13,412,000 | 14,277,000 | 14,522,000 |
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 | 2,519,000 | 5,052,000 | 7,699,000 | 10,412,000 |
| Interest expense | 845,000 | 1,674,000 | 2,576,000 | 3,521,000 |
| Net interest income | 1,674,000 | 3,378,000 | 5,123,000 | 6,891,000 |
| Noninterest income | 341,000 | 753,000 | 1,136,000 | 1,520,000 |
| Noninterest expense | 1,730,000 | 3,434,000 | 5,126,000 | 6,982,000 |
| Provision for loan losses | 52,000 | 130,000 | 160,000 | 244,000 |
| Pretax income | 233,000 | 567,000 | 925,000 | 1,132,000 |
| Income tax | 57,000 | 140,000 | 242,000 | 281,000 |
| Net income | 176,000 | 427,000 | 683,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,769,000 | 14,944,000 | 15,125,000 | 15,216,000 |
| Total capital | 16,162,000 | 16,359,000 | 16,599,000 | 16,723,000 |
| Risk-weighted assets | 111,378,000 | 113,122,000 | 117,860,000 | 120,234,000 |
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