Call reports 2016
CHAMPLAIN NATIONAL BANK — 2016
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 288,829,000 | 293,651,000 | 306,739,000 | 306,056,000 |
| Total loans | 171,448,000 | 176,624,000 | 180,797,000 | 190,015,000 |
| Allowance for loan losses | 3,015,000 | 3,069,000 | 3,117,000 | 3,173,000 |
| Securities available for sale | 88,384,000 | 89,544,000 | 87,912,000 | 85,780,000 |
| Securities held to maturity | 3,927,000 | 5,634,000 | 5,896,000 | 6,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,737,000 | 259,967,000 | 276,309,000 | 274,546,000 |
| Interest-bearing deposits | 196,183,000 | 195,188,000 | 204,458,000 | 206,060,000 |
| Noninterest-bearing deposits | 63,553,000 | 64,779,000 | 71,851,000 | 68,486,000 |
| Equity capital | 22,165,000 | 22,859,000 | 23,303,000 | 22,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,620,000 | 5,291,000 | 7,989,000 | 10,729,000 |
| Interest expense | 113,000 | 250,000 | 406,000 | 554,000 |
| Net interest income | 2,507,000 | 5,041,000 | 7,583,000 | 10,175,000 |
| Noninterest income | 383,000 | 800,000 | 1,299,000 | 2,020,000 |
| Noninterest expense | 2,298,000 | 4,701,000 | 7,046,000 | 9,691,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 560,000 | 1,130,000 | 1,790,000 | 2,456,000 |
| Income tax | 140,000 | 284,000 | 463,000 | 547,000 |
| Net income | 420,000 | 846,000 | 1,327,000 | 1,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,255,000 | 24,530,000 | 24,863,000 | 25,357,000 |
| Total capital | 26,577,000 | 26,899,000 | 27,283,000 | 27,836,000 |
| Risk-weighted assets | 185,053,000 | 188,839,000 | 192,879,000 | 197,611,000 |