Call reports 2022
CHAMPLAIN NATIONAL BANK — 2022
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 470,204,000 | 465,030,000 | 482,418,000 | 460,999,000 |
| Total loans | 284,714,000 | 295,846,000 | 298,284,000 | 299,763,000 |
| Allowance for loan losses | 5,067,000 | 4,978,000 | 4,952,000 | 4,933,000 |
| Securities available for sale | 132,941,000 | 126,352,000 | 119,722,000 | 124,968,000 |
| Securities held to maturity | 3,567,000 | 3,307,000 | 3,288,000 | 3,328,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,180,000 | 416,239,000 | 449,266,000 | 404,482,000 |
| Interest-bearing deposits | 275,867,000 | 264,978,000 | 297,060,000 | 259,865,000 |
| Noninterest-bearing deposits | 152,314,000 | 151,262,000 | 152,206,000 | 144,617,000 |
| Equity capital | 32,527,000 | 26,674,000 | 23,422,000 | 23,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,672,000 | 7,575,000 | 11,321,000 | 15,526,000 |
| Interest expense | 44,000 | 114,000 | 303,000 | 638,000 |
| Net interest income | 3,628,000 | 7,461,000 | 11,018,000 | 14,888,000 |
| Noninterest income | 503,000 | 1,061,000 | 1,884,000 | 2,416,000 |
| Noninterest expense | 2,741,000 | 5,410,000 | 7,859,000 | 11,178,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,392,000 | 3,114,000 | 5,046,000 | 6,129,000 |
| Income tax | 278,000 | 633,000 | 976,000 | 1,150,000 |
| Net income | 1,114,000 | 2,481,000 | 4,070,000 | 4,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,239,000 | 42,544,000 | 43,928,000 | 44,702,000 |