Call reports 2005
BANKCHAMPAIGN, NATIONAL ASSOCIATION — 2005
What BANKCHAMPAIGN, NATIONAL ASSOCIATION 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 | 130,159,000 | 134,327,000 | 143,942,000 | 147,045,000 |
| Total loans | 78,421,000 | 84,506,000 | 93,623,000 | 92,896,000 |
| Allowance for loan losses | 582,000 | 593,000 | 597,000 | 615,000 |
| Securities available for sale | 37,101,000 | 35,848,000 | 35,954,000 | 37,853,000 |
| Securities held to maturity | 6,313,000 | 6,289,000 | 6,264,000 | 6,549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,519,000 | 102,774,000 | 114,676,000 | 113,692,000 |
| Interest-bearing deposits | 89,001,000 | 93,768,000 | 105,873,000 | 102,882,000 |
| Noninterest-bearing deposits | 9,517,000 | 9,005,000 | 8,803,000 | 10,810,000 |
| Equity capital | 8,342,000 | 8,399,000 | 8,285,000 | 8,468,000 |
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 | 1,674,000 | 3,422,000 | 5,372,000 | 7,480,000 |
| Interest expense | 634,000 | 1,414,000 | 2,336,000 | 3,393,000 |
| Net interest income | 1,040,000 | 2,008,000 | 3,036,000 | 4,087,000 |
| Noninterest income | 224,000 | 458,000 | 769,000 | 1,187,000 |
| Noninterest expense | 914,000 | 1,828,000 | 2,832,000 | 3,865,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 335,000 | 608,000 | 928,000 | 1,349,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 335,000 | 608,000 | 928,000 | 1,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,612,000 | 8,524,000 | 8,513,000 | 8,883,000 |
| Total capital | 9,194,000 | 9,117,000 | 9,110,000 | 9,498,000 |
| Risk-weighted assets | 80,703,000 | 86,558,000 | 93,880,000 | 93,755,000 |