Call reports 2014
CHAMPLAIN NATIONAL BANK — 2014
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 261,933,000 | 254,590,000 | 267,537,000 | 250,338,000 |
| Total loans | 146,395,000 | 146,853,000 | 148,535,000 | 149,245,000 |
| Allowance for loan losses | 2,712,000 | 2,740,000 | 2,791,000 | 2,830,000 |
| Securities available for sale | 77,860,000 | 76,456,000 | 77,128,000 | 78,097,000 |
| Securities held to maturity | 3,851,000 | 4,618,000 | 3,733,000 | 2,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,858,000 | 224,385,000 | 238,746,000 | 222,625,000 |
| Interest-bearing deposits | 176,839,000 | 170,718,000 | 177,068,000 | 165,215,000 |
| Noninterest-bearing deposits | 58,019,000 | 53,667,000 | 61,678,000 | 57,410,000 |
| Equity capital | 21,265,000 | 22,234,000 | 22,541,000 | 21,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,429,000 | 4,817,000 | 7,209,000 | 9,606,000 |
| Interest expense | 96,000 | 191,000 | 283,000 | 371,000 |
| Net interest income | 2,333,000 | 4,626,000 | 6,926,000 | 9,235,000 |
| Noninterest income | 439,000 | 884,000 | 1,332,000 | 1,734,000 |
| Noninterest expense | 2,157,000 | 4,232,000 | 6,357,000 | 8,554,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 250,000 |
| Pretax income | 547,000 | 1,150,000 | 1,714,000 | 2,327,000 |
| Income tax | 142,000 | 303,000 | 453,000 | 625,000 |
| Net income | 405,000 | 847,000 | 1,261,000 | 1,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,773,000 | 22,122,000 | 22,442,000 | 22,790,000 |
| Total capital | 23,812,000 | 24,159,000 | 24,515,000 | 24,831,000 |
| Risk-weighted assets | 162,445,000 | 162,247,000 | 165,093,000 | 162,530,000 |
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