Call reports 2017
CHAMPLAIN NATIONAL BANK — 2017
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 330,390,000 | 325,177,000 | 333,271,000 | 331,032,000 |
| Total loans | 199,703,000 | 209,697,000 | 222,155,000 | 234,651,000 |
| Allowance for loan losses | 3,221,000 | 3,344,000 | 3,428,000 | 3,510,000 |
| Securities available for sale | 88,588,000 | 84,337,000 | 75,928,000 | 64,178,000 |
| Securities held to maturity | 4,053,000 | 3,707,000 | 6,251,000 | 6,166,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,942,000 | 291,300,000 | 301,189,000 | 297,066,000 |
| Interest-bearing deposits | 223,230,000 | 216,351,000 | 224,414,000 | 219,537,000 |
| Noninterest-bearing deposits | 76,712,000 | 74,949,000 | 76,775,000 | 77,529,000 |
| Equity capital | 23,254,000 | 24,113,000 | 24,733,000 | 25,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,890,000 | 5,902,000 | 9,039,000 | 12,286,000 |
| Interest expense | 160,000 | 335,000 | 545,000 | 735,000 |
| Net interest income | 2,730,000 | 5,567,000 | 8,494,000 | 11,551,000 |
| Noninterest income | 464,000 | 985,000 | 1,516,000 | 2,054,000 |
| Noninterest expense | 2,329,000 | 4,664,000 | 7,163,000 | 9,742,000 |
| Provision for loan losses | 69,000 | 354,000 | 449,000 | 661,000 |
| Pretax income | 826,000 | 1,546,000 | 2,284,000 | 3,083,000 |
| Income tax | 231,000 | 436,000 | 659,000 | 983,000 |
| Net income | 595,000 | 1,110,000 | 1,625,000 | 2,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,826,000 | 26,223,000 | 26,651,000 | 27,411,000 |
| Total capital | 28,426,000 | 28,881,000 | 29,445,000 | 30,290,000 |
| Risk-weighted assets | 207,404,000 | 211,946,000 | 222,854,000 | 229,645,000 |