Call reports 2015
CHAMPLAIN NATIONAL BANK — 2015
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 271,788,000 | 270,393,000 | 279,796,000 | 280,626,000 |
| Total loans | 156,670,000 | 162,565,000 | 168,734,000 | 171,347,000 |
| Allowance for loan losses | 2,899,000 | 2,904,000 | 2,947,000 | 3,001,000 |
| Securities available for sale | 82,337,000 | 81,424,000 | 78,265,000 | 83,792,000 |
| Securities held to maturity | 5,509,000 | 5,022,000 | 4,721,000 | 4,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,380,000 | 240,186,000 | 250,586,000 | 249,836,000 |
| Interest-bearing deposits | 182,828,000 | 178,181,000 | 187,000,000 | 186,270,000 |
| Noninterest-bearing deposits | 60,552,000 | 62,005,000 | 63,586,000 | 63,566,000 |
| Equity capital | 21,323,000 | 20,611,000 | 21,631,000 | 21,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,441,000 | 4,920,000 | 7,446,000 | 10,072,000 |
| Interest expense | 91,000 | 188,000 | 290,000 | 393,000 |
| Net interest income | 2,350,000 | 4,732,000 | 7,156,000 | 9,679,000 |
| Noninterest income | 413,000 | 875,000 | 1,342,000 | 1,766,000 |
| Noninterest expense | 2,379,000 | 4,672,000 | 6,985,000 | 9,319,000 |
| Provision for loan losses | 48,000 | 48,000 | 80,000 | 249,000 |
| Pretax income | 380,000 | 1,008,000 | 1,554,000 | 1,998,000 |
| Income tax | 93,000 | 249,000 | 384,000 | 461,000 |
| Net income | 287,000 | 759,000 | 1,170,000 | 1,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,938,000 | 23,310,000 | 23,597,000 | 23,895,000 |
| Total capital | 25,088,000 | 25,498,000 | 25,839,000 | 26,173,000 |
| Risk-weighted assets | 171,217,000 | 174,356,000 | 178,641,000 | 181,470,000 |