Call reports 2002
CHAMPAIGN NATIONAL BANK — 2002
What CHAMPAIGN NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 237,819,000 | 245,828,000 | 264,730,000 | 269,385,000 |
| Total loans | 197,580,000 | 209,562,000 | 220,184,000 | 224,886,000 |
| Allowance for loan losses | 2,265,000 | 2,438,000 | 2,553,000 | 2,534,000 |
| Securities available for sale | 16,480,000 | 15,855,000 | 16,594,000 | 18,424,000 |
| Securities held to maturity | 300,000 | 250,000 | 250,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,126,000 | 213,266,000 | 230,810,000 | 235,629,000 |
| Interest-bearing deposits | 179,271,000 | 187,111,000 | 202,653,000 | 202,766,000 |
| Noninterest-bearing deposits | 26,855,000 | 26,154,000 | 28,157,000 | 32,862,000 |
| Equity capital | 20,480,000 | 21,597,000 | 22,677,000 | 22,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,850,000 | 7,898,000 | 12,091,000 | 16,465,000 |
| Interest expense | 1,285,000 | 2,552,000 | 3,881,000 | 5,171,000 |
| Net interest income | 2,565,000 | 5,346,000 | 8,210,000 | 11,294,000 |
| Noninterest income | 438,000 | 941,000 | 1,463,000 | 2,092,000 |
| Noninterest expense | 1,750,000 | 3,564,000 | 5,463,000 | 7,436,000 |
| Provision for loan losses | 115,000 | 265,000 | 415,000 | 650,000 |
| Pretax income | 1,127,000 | 2,449,000 | 3,786,000 | 5,291,000 |
| Income tax | 351,000 | 764,000 | 1,189,000 | 1,662,000 |
| Net income | 776,000 | 1,685,000 | 2,597,000 | 3,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,270,000 | 21,186,000 | 22,104,000 | 21,642,000 |
| Total capital | 22,535,000 | 23,624,000 | 24,657,000 | 24,176,000 |
| Risk-weighted assets | 204,358,000 | 214,417,000 | 228,906,000 | 229,999,000 |