Call reports 2006
CHAMPAIGN NATIONAL BANK — 2006
What CHAMPAIGN NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 269,161,000 | 261,412,000 | 267,402,000 | 268,278,000 |
| Total loans | 205,688,000 | 208,122,000 | 214,825,000 | 215,541,000 |
| Allowance for loan losses | 2,328,000 | 2,493,000 | 2,587,000 | 1,680,000 |
| Securities available for sale | 26,514,000 | 27,318,000 | 30,151,000 | 30,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,955,000 | 214,509,000 | 226,996,000 | 231,368,000 |
| Interest-bearing deposits | 187,044,000 | 175,220,000 | 193,002,000 | 195,865,000 |
| Noninterest-bearing deposits | 38,912,000 | 39,289,000 | 33,995,000 | 35,502,000 |
| Equity capital | 26,710,000 | 27,492,000 | 27,924,000 | 24,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,162,000 | 8,806,000 | 13,448,000 | 18,117,000 |
| Interest expense | 1,355,000 | 2,894,000 | 4,669,000 | 6,548,000 |
| Net interest income | 2,807,000 | 5,912,000 | 8,779,000 | 11,569,000 |
| Noninterest income | 444,000 | 987,000 | 1,555,000 | 2,727,000 |
| Noninterest expense | 2,360,000 | 4,770,000 | 7,137,000 | 9,720,000 |
| Provision for loan losses | 49,000 | 0 | 0 | 0 |
| Pretax income | 842,000 | 2,135,000 | 3,203,000 | 4,602,000 |
| Income tax | 249,000 | 648,000 | 972,000 | 1,404,000 |
| Net income | 593,000 | 1,487,000 | 2,231,000 | 3,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,761,000 | 27,656,000 | 27,870,000 | 24,946,000 |
| Total capital | 29,089,000 | 30,149,000 | 30,457,000 | 26,626,000 |
| Risk-weighted assets | 208,416,000 | 207,235,000 | 215,087,000 | 213,870,000 |