Call reports 2013
CHAMPLAIN NATIONAL BANK — 2013
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 245,318,000 | 237,163,000 | 254,214,000 | 246,957,000 |
| Total loans | 131,113,000 | 136,948,000 | 140,221,000 | 145,164,000 |
| Allowance for loan losses | 2,472,000 | 2,550,000 | 2,623,000 | 2,647,000 |
| Securities available for sale | 82,118,000 | 76,839,000 | 76,044,000 | 78,523,000 |
| Securities held to maturity | 2,690,000 | 2,320,000 | 2,463,000 | 2,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,331,000 | 206,550,000 | 228,891,000 | 219,141,000 |
| Interest-bearing deposits | 172,470,000 | 156,856,000 | 175,770,000 | 167,950,000 |
| Noninterest-bearing deposits | 48,861,000 | 49,694,000 | 53,121,000 | 51,191,000 |
| Equity capital | 19,103,000 | 17,537,000 | 18,317,000 | 20,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,322,000 | 4,644,000 | 6,993,000 | 9,416,000 |
| Interest expense | 102,000 | 195,000 | 289,000 | 387,000 |
| Net interest income | 2,220,000 | 4,449,000 | 6,704,000 | 9,029,000 |
| Noninterest income | 438,000 | 888,000 | 1,345,000 | 1,762,000 |
| Noninterest expense | 2,193,000 | 4,267,000 | 6,345,000 | 8,454,000 |
| Provision for loan losses | 89,000 | 178,000 | 266,000 | 355,000 |
| Pretax income | 373,000 | 934,000 | 1,483,000 | 2,026,000 |
| Income tax | 40,000 | 156,000 | 268,000 | 384,000 |
| Net income | 333,000 | 778,000 | 1,215,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,407,000 | 20,765,000 | 21,115,000 | 21,455,000 |
| Total capital | 22,290,000 | 22,690,000 | 23,094,000 | 23,454,000 |
| Risk-weighted assets | 150,072,000 | 153,339,000 | 157,719,000 | 159,285,000 |