Call reports 2011
CHAMPLAIN NATIONAL BANK — 2011
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 222,465,000 | 219,503,000 | 223,383,000 | 224,881,000 |
| Total loans | 108,002,000 | 111,205,000 | 113,050,000 | 114,609,000 |
| Allowance for loan losses | 2,038,000 | 2,114,000 | 2,167,000 | 2,069,000 |
| Securities available for sale | 90,773,000 | 90,383,000 | 89,744,000 | 93,842,000 |
| Securities held to maturity | 853,000 | 865,000 | 832,000 | 1,203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,791,000 | 185,706,000 | 188,212,000 | 191,528,000 |
| Interest-bearing deposits | 150,222,000 | 145,914,000 | 144,056,000 | 147,452,000 |
| Noninterest-bearing deposits | 40,569,000 | 39,792,000 | 44,156,000 | 44,076,000 |
| Equity capital | 16,684,000 | 18,098,000 | 19,334,000 | 18,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,474,000 | 4,974,000 | 7,477,000 | 9,954,000 |
| Interest expense | 277,000 | 543,000 | 797,000 | 1,020,000 |
| Net interest income | 2,197,000 | 4,431,000 | 6,680,000 | 8,934,000 |
| Noninterest income | 580,000 | 1,088,000 | 1,568,000 | 1,902,000 |
| Noninterest expense | 2,078,000 | 4,051,000 | 6,006,000 | 8,357,000 |
| Provision for loan losses | 220,000 | 327,000 | 437,000 | 587,000 |
| Pretax income | 479,000 | 1,141,000 | 1,805,000 | 1,862,000 |
| Income tax | 97,000 | 260,000 | 430,000 | 152,000 |
| Net income | 382,000 | 881,000 | 1,375,000 | 1,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,626,000 | 18,041,000 | 18,453,000 | 18,706,000 |
| Total capital | 19,269,000 | 19,694,000 | 20,127,000 | 20,396,000 |
| Risk-weighted assets | 131,036,000 | 131,760,000 | 133,410,000 | 134,783,000 |