Call reports 2005
EVOLVE BANK & TRUST — 2005
What EVOLVE BANK & TRUST 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 | 21,999,000 | 21,952,000 | 24,985,000 | 26,707,000 |
| Total loans | 11,864,000 | 10,441,000 | 13,468,000 | 11,759,000 |
| Allowance for loan losses | 361,000 | 362,000 | 432,000 | 411,000 |
| Securities available for sale | 8,571,000 | 8,290,000 | 7,918,000 | 7,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,492,000 | 17,331,000 | 17,617,000 | 19,647,000 |
| Interest-bearing deposits | 13,138,000 | 13,346,000 | 13,160,000 | 15,367,000 |
| Noninterest-bearing deposits | 4,354,000 | 3,985,000 | 4,456,000 | 4,280,000 |
| Equity capital | 2,433,000 | 2,522,000 | 4,922,000 | 4,920,000 |
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 | 320,000 | 636,000 | 955,000 | 1,308,000 |
| Interest expense | 86,000 | 177,000 | 279,000 | 403,000 |
| Net interest income | 234,000 | 459,000 | 676,000 | 905,000 |
| Noninterest income | 63,000 | 100,000 | 144,000 | 181,000 |
| Noninterest expense | 265,000 | 495,000 | 713,000 | 943,000 |
| Provision for loan losses | 0 | 1,000 | 101,000 | 82,000 |
| Pretax income | 32,000 | 63,000 | 6,000 | 61,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 32,000 | 63,000 | 6,000 | 61,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,525,000 | 2,556,000 | 2,499,000 | 2,553,000 |
| Total capital | 2,680,000 | 2,698,000 | 2,661,000 | 2,711,000 |
| Risk-weighted assets | 12,160,000 | 11,165,000 | 12,666,000 | 12,369,000 |