Call reports 2007
CHAMPAIGN NATIONAL BANK — 2007
What CHAMPAIGN NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Total assets | 277,748,000 | 274,718,000 | 274,168,000 |
| Total loans | 214,838,000 | 215,023,000 | 214,352,000 |
| Allowance for loan losses | 1,924,000 | 2,452,000 | 2,384,000 |
| Securities available for sale | 31,478,000 | 29,663,000 | 30,867,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 235,512,000 | 232,776,000 | 230,773,000 |
| Interest-bearing deposits | 203,298,000 | 200,176,000 | 198,346,000 |
| Noninterest-bearing deposits | 32,215,000 | 32,599,000 | 32,427,000 |
| Equity capital | 25,769,000 | 25,861,000 | 26,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Interest income | 4,697,000 | 9,383,000 | 14,129,000 |
| Interest expense | 1,942,000 | 4,027,000 | 6,080,000 |
| Net interest income | 2,755,000 | 5,356,000 | 8,049,000 |
| Noninterest income | 516,000 | 1,006,000 | 1,560,000 |
| Noninterest expense | 2,324,000 | 4,595,000 | 6,747,000 |
| Provision for loan losses | 30,000 | 598,000 | 618,000 |
| Pretax income | 917,000 | 1,169,000 | 2,244,000 |
| Income tax | 142,000 | 180,000 | 498,000 |
| Net income | 775,000 | 989,000 | 1,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Tier 1 capital | 25,722,000 | 25,936,000 | 26,692,000 |
| Total capital | 27,646,000 | 28,388,000 | 29,076,000 |
| Risk-weighted assets | 215,067,000 | 219,981,000 | 218,834,000 |