Call reports 2021
CHAMPLAIN NATIONAL BANK — 2021
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 419,306,000 | 417,964,000 | 469,563,000 | 456,327,000 |
| Total loans | 291,100,000 | 291,103,000 | 284,622,000 | 280,756,000 |
| Allowance for loan losses | 5,400,000 | 5,426,000 | 5,426,000 | 5,066,000 |
| Securities available for sale | 79,660,000 | 94,933,000 | 124,170,000 | 143,169,000 |
| Securities held to maturity | 5,686,000 | 3,743,000 | 3,596,000 | 3,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,382,000 | 370,904,000 | 421,683,000 | 402,529,000 |
| Interest-bearing deposits | 239,809,000 | 238,437,000 | 277,943,000 | 252,408,000 |
| Noninterest-bearing deposits | 133,573,000 | 132,468,000 | 143,740,000 | 150,121,000 |
| Equity capital | 36,723,000 | 37,671,000 | 38,478,000 | 39,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,531,000 | 7,144,000 | 10,700,000 | 14,498,000 |
| Interest expense | 77,000 | 145,000 | 213,000 | 259,000 |
| Net interest income | 3,454,000 | 6,999,000 | 10,487,000 | 14,239,000 |
| Noninterest income | 455,000 | 998,000 | 1,616,000 | 2,171,000 |
| Noninterest expense | 2,494,000 | 5,049,000 | 7,710,000 | 11,117,000 |
| Provision for loan losses | 125,000 | 150,000 | 150,000 | -200,000 |
| Pretax income | 1,290,000 | 2,799,000 | 4,245,000 | 5,498,000 |
| Income tax | 320,000 | 704,000 | 805,000 | 1,083,000 |
| Net income | 970,000 | 2,095,000 | 3,440,000 | 4,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,231,000 | 38,235,000 | 39,403,000 | 40,251,000 |