Call reports 2012
CHAMPLAIN NATIONAL BANK — 2012
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 227,562,000 | 226,576,000 | 231,401,000 | 227,994,000 |
| Total loans | 116,659,000 | 119,530,000 | 125,550,000 | 126,780,000 |
| Allowance for loan losses | 2,046,000 | 2,132,000 | 2,103,000 | 2,366,000 |
| Securities available for sale | 91,179,000 | 87,806,000 | 83,978,000 | 80,207,000 |
| Securities held to maturity | 1,139,000 | 1,400,000 | 932,000 | 2,673,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,884,000 | 201,055,000 | 206,005,000 | 201,418,000 |
| Interest-bearing deposits | 161,335,000 | 155,490,000 | 159,742,000 | 154,342,000 |
| Noninterest-bearing deposits | 42,549,000 | 45,565,000 | 46,263,000 | 47,076,000 |
| Equity capital | 18,915,000 | 19,546,000 | 20,130,000 | 19,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,440,000 | 4,840,000 | 7,229,000 | 9,603,000 |
| Interest expense | 151,000 | 283,000 | 410,000 | 523,000 |
| Net interest income | 2,289,000 | 4,557,000 | 6,819,000 | 9,080,000 |
| Noninterest income | 502,000 | 934,000 | 1,383,000 | 1,892,000 |
| Noninterest expense | 2,130,000 | 4,194,000 | 6,256,000 | 8,395,000 |
| Provision for loan losses | 66,000 | 127,000 | 186,000 | 416,000 |
| Pretax income | 676,000 | 1,200,000 | 1,725,000 | 2,287,000 |
| Income tax | 160,000 | 266,000 | 363,000 | 482,000 |
| Net income | 516,000 | 934,000 | 1,362,000 | 1,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,136,000 | 19,467,000 | 19,808,000 | 20,161,000 |
| Total capital | 20,867,000 | 21,211,000 | 21,600,000 | 21,959,000 |
| Risk-weighted assets | 138,205,000 | 139,138,000 | 143,039,000 | 143,252,000 |