Call reports 2009
CHAMPLAIN NATIONAL BANK — 2009
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 194,323,000 | 195,156,000 | 206,473,000 | 204,492,000 |
| Total loans | 103,649,000 | 107,050,000 | 105,811,000 | 108,427,000 |
| Allowance for loan losses | 1,771,000 | 1,764,000 | 1,868,000 | 1,909,000 |
| Securities available for sale | 72,971,000 | 70,992,000 | 81,364,000 | 79,987,000 |
| Securities held to maturity | 571,000 | 562,000 | 465,000 | 453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,386,000 | 162,069,000 | 172,250,000 | 170,039,000 |
| Interest-bearing deposits | 131,646,000 | 129,133,000 | 133,489,000 | 136,192,000 |
| Noninterest-bearing deposits | 30,740,000 | 32,936,000 | 38,761,000 | 33,847,000 |
| Equity capital | 12,751,000 | 13,407,000 | 14,852,000 | 15,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,492,000 | 4,982,000 | 7,438,000 | 9,947,000 |
| Interest expense | 577,000 | 1,079,000 | 1,563,000 | 2,015,000 |
| Net interest income | 1,915,000 | 3,903,000 | 5,875,000 | 7,932,000 |
| Noninterest income | 463,000 | 958,000 | 1,483,000 | 2,047,000 |
| Noninterest expense | 1,954,000 | 3,944,000 | 5,903,000 | 7,947,000 |
| Provision for loan losses | 21,000 | 49,000 | 150,000 | 275,000 |
| Pretax income | 403,000 | 743,000 | 730,000 | 1,182,000 |
| Income tax | 97,000 | 164,000 | 6,000 | 147,000 |
| Net income | 306,000 | 579,000 | 724,000 | 1,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,720,000 | 15,914,000 | 15,980,000 | 16,212,000 |
| Total capital | 17,319,000 | 17,548,000 | 17,577,000 | 17,843,000 |
| Risk-weighted assets | 127,744,000 | 130,562,000 | 127,489,000 | 130,241,000 |
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