Call reports 2002
EVB — 2002
What EVB reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 245,132,000 | 257,473,000 | 272,538,000 | 278,135,000 |
| Total loans | 184,981,000 | 194,391,000 | 199,282,000 | 198,458,000 |
| Allowance for loan losses | 2,855,000 | 2,800,000 | 2,839,000 | 2,717,000 |
| Securities available for sale | 43,031,000 | 41,063,000 | 47,892,000 | 52,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,625,000 | 222,503,000 | 229,910,000 | 237,895,000 |
| Interest-bearing deposits | 186,103,000 | 189,959,000 | 198,318,000 | 198,159,000 |
| Noninterest-bearing deposits | 28,521,000 | 32,544,000 | 31,592,000 | 39,736,000 |
| Equity capital | 14,450,000 | 16,031,000 | 17,514,000 | 15,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,500,000 | 9,121,000 | 13,779,000 | 18,418,000 |
| Interest expense | 1,579,000 | 3,156,000 | 4,756,000 | 6,181,000 |
| Net interest income | 2,921,000 | 5,965,000 | 9,023,000 | 12,237,000 |
| Noninterest income | 449,000 | 915,000 | 1,368,000 | 1,796,000 |
| Noninterest expense | 1,738,000 | 3,492,000 | 5,301,000 | 7,342,000 |
| Provision for loan losses | 120,000 | 270,000 | 450,000 | 600,000 |
| Pretax income | 1,514,000 | 3,120,000 | 4,656,000 | 6,107,000 |
| Income tax | 394,000 | 842,000 | 1,262,000 | 1,710,000 |
| Net income | 1,120,000 | 2,278,000 | 3,394,000 | 4,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,767,000 | 14,924,000 | 16,040,000 | 13,743,000 |
| Total capital | 18,832,000 | 20,061,000 | 21,232,000 | 18,961,000 |
| Risk-weighted assets | 164,385,000 | 170,330,000 | 174,695,000 | 176,910,000 |