Call reports 2003
CHAMPAIGN NATIONAL BANK — 2003
What CHAMPAIGN NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 271,475,000 | 270,983,000 | 272,704,000 | 269,884,000 |
| Total loans | 218,426,000 | 218,107,000 | 211,241,000 | 212,780,000 |
| Allowance for loan losses | 2,657,000 | 2,537,000 | 2,520,000 | 2,418,000 |
| Securities available for sale | 19,963,000 | 19,695,000 | 22,261,000 | 23,379,000 |
| Securities held to maturity | 210,000 | 190,000 | 190,000 | 190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,667,000 | 233,998,000 | 234,285,000 | 232,100,000 |
| Interest-bearing deposits | 203,925,000 | 202,446,000 | 201,881,000 | 199,145,000 |
| Noninterest-bearing deposits | 32,742,000 | 31,552,000 | 32,404,000 | 32,954,000 |
| Equity capital | 23,032,000 | 24,541,000 | 25,344,000 | 24,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,200,000 | 8,210,000 | 12,014,000 | 15,685,000 |
| Interest expense | 1,173,000 | 2,336,000 | 3,415,000 | 4,412,000 |
| Net interest income | 3,027,000 | 5,874,000 | 8,599,000 | 11,273,000 |
| Noninterest income | 481,000 | 1,195,000 | 1,788,000 | 2,281,000 |
| Noninterest expense | 2,059,000 | 4,134,000 | 6,101,000 | 7,955,000 |
| Provision for loan losses | 140,000 | 275,000 | 325,000 | 579,000 |
| Pretax income | 1,309,000 | 2,660,000 | 3,961,000 | 5,069,000 |
| Income tax | 408,000 | 827,000 | 1,227,000 | 1,564,000 |
| Net income | 901,000 | 1,833,000 | 2,734,000 | 3,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,543,000 | 23,975,000 | 24,878,000 | 24,147,000 |
| Total capital | 25,200,000 | 26,512,000 | 27,398,000 | 26,565,000 |
| Risk-weighted assets | 225,407,000 | 230,351,000 | 222,590,000 | 218,378,000 |