Call reports 2003
EVB — 2003
What EVB 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 | 279,499,000 | 284,479,000 | 357,695,000 | 378,481,000 |
| Total loans | 199,346,000 | 209,722,000 | 242,852,000 | 254,701,000 |
| Allowance for loan losses | 2,753,000 | 2,761,000 | 2,875,000 | 3,120,000 |
| Securities available for sale | 56,451,000 | 58,311,000 | 84,789,000 | 85,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,004,000 | 237,477,000 | 307,323,000 | 323,752,000 |
| Interest-bearing deposits | 206,969,000 | 203,972,000 | 259,393,000 | 268,305,000 |
| Noninterest-bearing deposits | 32,034,000 | 33,506,000 | 47,930,000 | 55,446,000 |
| Equity capital | 16,157,000 | 17,872,000 | 28,518,000 | 29,790,000 |
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 | 4,534,000 | 9,111,000 | 13,838,000 | 19,374,000 |
| Interest expense | 1,339,000 | 2,591,000 | 3,784,000 | 5,106,000 |
| Net interest income | 3,195,000 | 6,520,000 | 10,054,000 | 14,268,000 |
| Noninterest income | 442,000 | 899,000 | 1,405,000 | 2,156,000 |
| Noninterest expense | 2,183,000 | 4,420,000 | 6,629,000 | 9,586,000 |
| Provision for loan losses | 125,000 | 275,000 | 575,000 | 1,075,000 |
| Pretax income | 1,404,000 | 2,807,000 | 4,338,000 | 5,865,000 |
| Income tax | 393,000 | 786,000 | 1,215,000 | 1,600,000 |
| Net income | 1,011,000 | 2,021,000 | 3,123,000 | 4,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,755,000 | 15,764,000 | 20,153,000 | 20,894,000 |
| Total capital | 20,004,000 | 21,096,000 | 25,990,000 | 26,939,000 |
| Risk-weighted assets | 179,446,000 | 186,095,000 | 226,884,000 | 243,516,000 |