Call reports 2025
CHAMPLAIN NATIONAL BANK — 2025
What CHAMPLAIN NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 496,551,000 | 489,344,000 | 508,087,000 | 485,836,000 |
| Total loans | 329,645,000 | 336,885,000 | 337,464,000 | 331,189,000 |
| Allowance for loan losses | 3,532,000 | 3,580,000 | 3,464,000 | 3,401,000 |
| Securities available for sale | 111,523,000 | 109,699,000 | 112,773,000 | 113,724,000 |
| Securities held to maturity | 5,395,000 | 5,335,000 | 6,262,000 | 5,765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 451,724,000 | 424,327,000 | 458,895,000 | 422,418,000 |
| Interest-bearing deposits | 322,914,000 | 295,402,000 | 322,152,000 | 291,045,000 |
| Noninterest-bearing deposits | 128,810,000 | 128,925,000 | 136,743,000 | 131,373,000 |
| Equity capital | 29,752,000 | 30,697,000 | 34,150,000 | 36,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,353,000 | 10,919,000 | 16,645,000 | 22,378,000 |
| Interest expense | 1,663,000 | 3,304,000 | 4,869,000 | 6,353,000 |
| Net interest income | 3,690,000 | 7,615,000 | 11,776,000 | 16,025,000 |
| Noninterest income | 510,000 | 1,042,000 | 1,650,000 | 2,200,000 |
| Noninterest expense | 3,125,000 | 6,316,000 | 9,554,000 | 12,903,000 |
| Provision for loan losses | 180,000 | 299,000 | 495,000 | 422,000 |
| Pretax income | 922,000 | 2,031,000 | 3,422,000 | 4,860,000 |
| Income tax | 151,000 | 340,000 | 588,000 | 842,000 |
| Net income | 771,000 | 1,691,000 | 2,834,000 | 4,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,061,000 | 51,848,000 | 52,859,000 | 53,910,000 |