Call reports 2004
EVB — 2004
What EVB 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 | 380,847,000 | 379,900,000 | 389,006,000 | 386,897,000 |
| Total loans | 255,784,000 | 261,160,000 | 271,524,000 | 274,060,000 |
| Allowance for loan losses | 3,190,000 | 3,297,000 | 3,484,000 | 3,223,000 |
| Securities available for sale | 94,658,000 | 78,758,000 | 79,647,000 | 73,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,259,000 | 326,616,000 | 331,106,000 | 326,549,000 |
| Interest-bearing deposits | 266,832,000 | 268,353,000 | 272,106,000 | 269,676,000 |
| Noninterest-bearing deposits | 54,427,000 | 58,263,000 | 59,001,000 | 56,873,000 |
| Equity capital | 31,019,000 | 30,126,000 | 32,253,000 | 33,021,000 |
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 | 5,495,000 | 10,966,000 | 16,530,000 | 22,227,000 |
| Interest expense | 1,306,000 | 2,465,000 | 3,729,000 | 5,047,000 |
| Net interest income | 4,189,000 | 8,501,000 | 12,801,000 | 17,180,000 |
| Noninterest income | 709,000 | 1,328,000 | 2,017,000 | 2,680,000 |
| Noninterest expense | 3,342,000 | 6,784,000 | 10,197,000 | 13,576,000 |
| Provision for loan losses | 235,000 | 470,000 | 770,000 | 770,000 |
| Pretax income | 1,402,000 | 2,782,000 | 4,081,000 | 5,776,000 |
| Income tax | 389,000 | 737,000 | 1,015,000 | 1,533,000 |
| Net income | 1,013,000 | 2,045,000 | 3,066,000 | 4,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,975,000 | 23,078,000 | 24,169,000 | 25,416,000 |
| Total capital | 28,105,000 | 29,244,000 | 30,450,000 | 31,639,000 |
| Risk-weighted assets | 250,305,000 | 253,132,000 | 262,331,000 | 268,139,000 |
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