Call reports 2003
BANKCHAMPAIGN, NATIONAL ASSOCIATION — 2003
What BANKCHAMPAIGN, NATIONAL ASSOCIATION 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 | 102,890,000 | 104,212,000 | 106,304,000 | 119,692,000 |
| Total loans | 67,622,000 | 69,603,000 | 70,997,000 | 70,691,000 |
| Allowance for loan losses | 643,000 | 617,000 | 648,000 | 673,000 |
| Securities available for sale | 25,876,000 | 22,306,000 | 24,062,000 | 28,011,000 |
| Securities held to maturity | 2,876,000 | 2,866,000 | 3,539,000 | 3,519,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,362,000 | 82,438,000 | 81,236,000 | 90,280,000 |
| Interest-bearing deposits | 73,252,000 | 71,908,000 | 72,534,000 | 77,788,000 |
| Noninterest-bearing deposits | 8,110,000 | 10,530,000 | 8,702,000 | 12,492,000 |
| Equity capital | 8,076,000 | 8,301,000 | 8,383,000 | 8,162,000 |
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 | 1,625,000 | 3,223,000 | 4,816,000 | 6,400,000 |
| Interest expense | 639,000 | 1,233,000 | 1,778,000 | 2,346,000 |
| Net interest income | 986,000 | 1,990,000 | 3,038,000 | 4,054,000 |
| Noninterest income | 223,000 | 482,000 | 711,000 | 904,000 |
| Noninterest expense | 827,000 | 1,812,000 | 2,671,000 | 3,481,000 |
| Provision for loan losses | 90,000 | 180,000 | 210,000 | 240,000 |
| Pretax income | 313,000 | 584,000 | 974,000 | 1,345,000 |
| Income tax | 106,000 | 200,000 | 333,000 | 443,000 |
| Net income | 207,000 | 384,000 | 641,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,512,000 | 7,689,000 | 7,946,000 | 7,708,000 |
| Total capital | 8,155,000 | 8,306,000 | 8,594,000 | 8,381,000 |
| Risk-weighted assets | 69,167,000 | 70,454,000 | 72,137,000 | 74,731,000 |