Call reports 2019
CHAMPLAIN NATIONAL BANK — 2019
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 362,971,000 | 355,147,000 | 379,998,000 | 362,334,000 |
| Total loans | 261,678,000 | 258,880,000 | 257,614,000 | 258,692,000 |
| Allowance for loan losses | 4,012,000 | 4,082,000 | 4,091,000 | 4,090,000 |
| Securities available for sale | 63,551,000 | 62,498,000 | 77,070,000 | 73,477,000 |
| Securities held to maturity | 6,954,000 | 7,045,000 | 7,113,000 | 5,867,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,388,000 | 310,314,000 | 341,826,000 | 321,368,000 |
| Interest-bearing deposits | 246,242,000 | 225,947,000 | 254,582,000 | 240,279,000 |
| Noninterest-bearing deposits | 81,146,000 | 84,367,000 | 87,245,000 | 81,089,000 |
| Equity capital | 27,435,000 | 28,905,000 | 30,046,000 | 31,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,734,000 | 7,463,000 | 11,213,000 | 14,949,000 |
| Interest expense | 543,000 | 1,055,000 | 1,543,000 | 1,998,000 |
| Net interest income | 3,191,000 | 6,408,000 | 9,670,000 | 12,951,000 |
| Noninterest income | 499,000 | 1,021,000 | 1,639,000 | 2,196,000 |
| Noninterest expense | 2,669,000 | 5,254,000 | 7,796,000 | 10,678,000 |
| Provision for loan losses | 105,000 | 175,000 | 175,000 | 210,000 |
| Pretax income | 926,000 | 2,015,000 | 3,306,000 | 4,242,000 |
| Income tax | 167,000 | 369,000 | 616,000 | 818,000 |
| Net income | 759,000 | 1,646,000 | 2,690,000 | 3,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,920,000 | 31,686,000 | 32,610,000 | 33,241,000 |
| Total capital | 34,067,000 | 34,803,000 | 35,688,000 | 36,312,000 |
| Risk-weighted assets | 250,887,000 | 248,392,000 | 245,205,000 | 244,623,000 |