Call reports 2018
CHAMPLAIN NATIONAL BANK — 2018
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 335,591,000 | 339,350,000 | 344,989,000 | 357,286,000 |
| Total loans | 241,509,000 | 245,783,000 | 249,308,000 | 263,444,000 |
| Allowance for loan losses | 3,374,000 | 3,540,000 | 3,771,000 | 3,944,000 |
| Securities available for sale | 60,967,000 | 62,716,000 | 62,323,000 | 61,471,000 |
| Securities held to maturity | 6,215,000 | 4,657,000 | 5,809,000 | 6,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,809,000 | 304,071,000 | 311,351,000 | 323,161,000 |
| Interest-bearing deposits | 226,967,000 | 217,419,000 | 219,572,000 | 242,874,000 |
| Noninterest-bearing deposits | 75,841,000 | 86,652,000 | 91,779,000 | 80,287,000 |
| Equity capital | 25,214,000 | 25,428,000 | 25,754,000 | 25,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,289,000 | 6,697,000 | 10,225,000 | 13,914,000 |
| Interest expense | 212,000 | 442,000 | 776,000 | 1,207,000 |
| Net interest income | 3,077,000 | 6,255,000 | 9,449,000 | 12,707,000 |
| Noninterest income | 512,000 | 1,056,000 | 1,598,000 | 2,172,000 |
| Noninterest expense | 2,447,000 | 4,973,000 | 7,472,000 | 10,272,000 |
| Provision for loan losses | 270,000 | 540,000 | 780,000 | 1,085,000 |
| Pretax income | 882,000 | 1,796,000 | 2,811,000 | 3,544,000 |
| Income tax | 203,000 | 415,000 | 499,000 | 636,000 |
| Net income | 679,000 | 1,381,000 | 2,312,000 | 2,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,011,000 | 28,586,000 | 29,410,000 | 30,283,000 |
| Total capital | 30,966,000 | 31,576,000 | 32,423,000 | 33,441,000 |
| Risk-weighted assets | 235,953,000 | 238,634,000 | 240,249,000 | 251,888,000 |