Call reports 2005
EVB — 2005
What EVB 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 | 380,760,000 | 399,254,000 | 418,506,000 | 421,348,000 |
| Total loans | 273,907,000 | 274,921,000 | 285,961,000 | 293,392,000 |
| Allowance for loan losses | 3,155,000 | 3,087,000 | 3,155,000 | 3,163,000 |
| Securities available for sale | 66,945,000 | 81,639,000 | 81,441,000 | 78,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,289,000 | 332,276,000 | 343,816,000 | 346,597,000 |
| Interest-bearing deposits | 268,052,000 | 273,749,000 | 280,336,000 | 283,558,000 |
| Noninterest-bearing deposits | 59,237,000 | 58,527,000 | 63,480,000 | 63,039,000 |
| Equity capital | 35,097,000 | 36,265,000 | 36,684,000 | 37,506,000 |
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 | 5,569,000 | 11,282,000 | 17,203,000 | 23,618,000 |
| Interest expense | 1,315,000 | 2,765,000 | 4,477,000 | 6,338,000 |
| Net interest income | 4,254,000 | 8,517,000 | 12,726,000 | 17,280,000 |
| Noninterest income | 634,000 | 1,372,000 | 2,142,000 | 2,934,000 |
| Noninterest expense | 3,647,000 | 7,328,000 | 10,860,000 | 14,414,000 |
| Provision for loan losses | 84,000 | 172,000 | 345,000 | 389,000 |
| Pretax income | 1,259,000 | 2,486,000 | 3,863,000 | 5,611,000 |
| Income tax | 334,000 | 691,000 | 1,063,000 | 1,529,000 |
| Net income | 925,000 | 1,795,000 | 2,800,000 | 4,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,411,000 | 29,350,000 | 30,426,000 | 31,777,000 |
| Total capital | 32,566,000 | 33,437,000 | 34,581,000 | 35,940,000 |
| Risk-weighted assets | 268,189,000 | 273,500,000 | 286,564,000 | 294,090,000 |