Call reports 2008
CHAMPLAIN NATIONAL BANK — 2008
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 187,144,000 | 192,793,000 | 197,057,000 | 195,666,000 |
| Total loans | 95,865,000 | 99,843,000 | 100,343,000 | 104,843,000 |
| Allowance for loan losses | 1,529,000 | 1,552,000 | 1,606,000 | 1,780,000 |
| Securities available for sale | 71,945,000 | 74,792,000 | 71,647,000 | 74,183,000 |
| Securities held to maturity | 1,301,000 | 962,000 | 834,000 | 587,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,555,000 | 157,401,000 | 163,699,000 | 160,420,000 |
| Interest-bearing deposits | 126,910,000 | 127,573,000 | 132,399,000 | 131,192,000 |
| Noninterest-bearing deposits | 27,645,000 | 29,829,000 | 31,300,000 | 29,228,000 |
| Equity capital | 13,980,000 | 13,586,000 | 13,230,000 | 12,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,689,000 | 5,352,000 | 8,029,000 | 10,617,000 |
| Interest expense | 929,000 | 1,681,000 | 2,398,000 | 3,070,000 |
| Net interest income | 1,760,000 | 3,671,000 | 5,631,000 | 7,547,000 |
| Noninterest income | 472,000 | 937,000 | 1,407,000 | 1,850,000 |
| Noninterest expense | 1,811,000 | 3,696,000 | 5,552,000 | 7,410,000 |
| Provision for loan losses | 0 | 20,000 | 80,000 | 340,000 |
| Pretax income | 416,000 | 887,000 | 1,367,000 | 1,502,000 |
| Income tax | 121,000 | 253,000 | 366,000 | 376,000 |
| Net income | 295,000 | 634,000 | 1,001,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,010,000 | 15,159,000 | 15,447,000 | 15,493,000 |
| Total capital | 16,531,000 | 16,711,000 | 17,042,000 | 17,114,000 |
| Risk-weighted assets | 121,671,000 | 126,216,000 | 127,592,000 | 129,824,000 |
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