Call reports 2004
BANKCHAMPAIGN, NATIONAL ASSOCIATION — 2004
What BANKCHAMPAIGN, NATIONAL ASSOCIATION 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 | 115,091,000 | 118,560,000 | 122,757,000 | 132,960,000 |
| Total loans | 72,176,000 | 77,192,000 | 79,428,000 | 81,455,000 |
| Allowance for loan losses | 692,000 | 705,000 | 722,000 | 563,000 |
| Securities available for sale | 32,346,000 | 29,542,000 | 31,519,000 | 31,603,000 |
| Securities held to maturity | 3,064,000 | 4,222,000 | 4,450,000 | 6,338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,336,000 | 92,994,000 | 96,082,000 | 108,148,000 |
| Interest-bearing deposits | 81,249,000 | 84,872,000 | 88,990,000 | 95,994,000 |
| Noninterest-bearing deposits | 7,087,000 | 8,122,000 | 7,091,000 | 12,154,000 |
| Equity capital | 8,530,000 | 8,136,000 | 8,604,000 | 8,346,000 |
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 | 1,518,000 | 3,107,000 | 4,706,000 | 6,356,000 |
| Interest expense | 553,000 | 1,110,000 | 1,689,000 | 2,312,000 |
| Net interest income | 965,000 | 1,997,000 | 3,017,000 | 4,044,000 |
| Noninterest income | 216,000 | 446,000 | 662,000 | 916,000 |
| Noninterest expense | 895,000 | 1,803,000 | 2,713,000 | 3,540,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 271,000 | 610,000 | 947,000 | 1,486,000 |
| Income tax | 71,000 | 183,000 | 301,000 | 488,000 |
| Net income | 200,000 | 427,000 | 646,000 | 998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,907,000 | 8,134,000 | 8,353,000 | 8,306,000 |
| Total capital | 8,599,000 | 8,839,000 | 9,075,000 | 8,869,000 |
| Risk-weighted assets | 74,778,000 | 79,044,000 | 80,827,000 | 82,187,000 |