Call reports 2005
CHAMPAIGN NATIONAL BANK — 2005
What CHAMPAIGN NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 284,417,000 | 273,476,000 | 266,720,000 | 264,261,000 |
| Total loans | 221,925,000 | 216,894,000 | 209,855,000 | 206,201,000 |
| Allowance for loan losses | 2,583,000 | 2,685,000 | 2,342,000 | 2,238,000 |
| Securities available for sale | 20,966,000 | 21,782,000 | 25,846,000 | 27,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,941,000 | 232,359,000 | 224,183,000 | 221,529,000 |
| Interest-bearing deposits | 209,125,000 | 193,970,000 | 186,631,000 | 183,224,000 |
| Noninterest-bearing deposits | 37,816,000 | 38,389,000 | 37,552,000 | 38,305,000 |
| Equity capital | 21,770,000 | 25,250,000 | 25,913,000 | 26,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,914,000 | 7,959,000 | 11,865,000 | 16,081,000 |
| Interest expense | 1,103,000 | 2,265,000 | 3,464,000 | 4,752,000 |
| Net interest income | 2,811,000 | 5,694,000 | 8,401,000 | 11,329,000 |
| Noninterest income | 502,000 | 1,035,000 | 1,583,000 | 2,135,000 |
| Noninterest expense | 2,094,000 | 4,363,000 | 6,517,000 | 8,904,000 |
| Provision for loan losses | 4,500,000 | 4,500,000 | 4,615,000 | 4,740,000 |
| Pretax income | -3,264,000 | -2,118,000 | -1,129,000 | -161,000 |
| Income tax | -825,000 | -568,000 | -349,000 | -205,000 |
| Net income | -2,439,000 | -1,550,000 | -780,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,685,000 | 25,073,000 | 25,843,000 | 26,168,000 |
| Total capital | 24,268,000 | 27,758,000 | 28,185,000 | 28,406,000 |
| Risk-weighted assets | 225,866,000 | 219,022,000 | 214,333,000 | 211,803,000 |