Call reports 2004
CHAMPAIGN NATIONAL BANK — 2004
What CHAMPAIGN NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 279,524,000 | 270,112,000 | 279,147,000 | 285,086,000 |
| Total loans | 220,373,000 | 224,878,000 | 233,179,000 | 232,558,000 |
| Allowance for loan losses | 2,525,000 | 2,651,000 | 2,760,000 | 2,666,000 |
| Securities available for sale | 21,031,000 | 23,043,000 | 22,681,000 | 20,712,000 |
| Securities held to maturity | 190,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,265,000 | 228,201,000 | 237,558,000 | 245,744,000 |
| Interest-bearing deposits | 198,367,000 | 191,315,000 | 200,526,000 | 207,374,000 |
| Noninterest-bearing deposits | 37,898,000 | 36,886,000 | 37,032,000 | 38,370,000 |
| Equity capital | 26,484,000 | 26,089,000 | 27,053,000 | 24,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,992,000 | 7,833,000 | 11,678,000 | 15,652,000 |
| Interest expense | 943,000 | 1,830,000 | 2,775,000 | 3,805,000 |
| Net interest income | 3,049,000 | 6,003,000 | 8,903,000 | 11,847,000 |
| Noninterest income | 509,000 | 1,078,000 | 1,606,000 | 2,165,000 |
| Noninterest expense | 2,084,000 | 4,128,000 | 6,191,000 | 12,542,000 |
| Provision for loan losses | 222,000 | 398,000 | 556,000 | 985,000 |
| Pretax income | 1,252,000 | 2,555,000 | 3,772,000 | 495,000 |
| Income tax | 385,000 | 791,000 | 1,165,000 | 19,000 |
| Net income | 867,000 | 1,764,000 | 2,607,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,014,000 | 25,911,000 | 26,754,000 | 24,123,000 |
| Total capital | 28,539,000 | 28,562,000 | 29,514,000 | 26,789,000 |
| Risk-weighted assets | 228,641,000 | 227,183,000 | 237,544,000 | 239,116,000 |
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