Call reports 2015
EVB — 2015
What EVB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,194,104,000 | 1,219,669,000 | 1,243,132,000 | 1,269,770,000 |
| Total loans | 816,207,000 | 840,710,000 | 861,393,000 | 880,778,000 |
| Allowance for loan losses | 12,658,000 | 12,287,000 | 11,938,000 | 11,327,000 |
| Securities available for sale | 225,797,000 | 227,932,000 | 229,608,000 | 230,943,000 |
| Securities held to maturity | 31,495,000 | 30,671,000 | 29,964,000 | 29,698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 967,278,000 | 975,947,000 | 993,051,000 | 1,004,067,000 |
| Interest-bearing deposits | 853,598,000 | 859,216,000 | 875,970,000 | 877,348,000 |
| Noninterest-bearing deposits | 113,680,000 | 116,731,000 | 117,081,000 | 126,719,000 |
| Equity capital | 133,434,000 | 133,348,000 | 137,096,000 | 138,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 11,765,000 | 23,700,000 | 35,684,000 | 47,964,000 |
| Interest expense | 1,121,000 | 2,131,000 | 3,205,000 | 4,373,000 |
| Net interest income | 10,644,000 | 21,569,000 | 32,479,000 | 43,591,000 |
| Noninterest income | 1,458,000 | 2,969,000 | 4,620,000 | 6,189,000 |
| Noninterest expense | 9,649,000 | 19,483,000 | 28,739,000 | 37,835,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,478,000 | 5,106,000 | 8,492,000 | 12,179,000 |
| Income tax | 625,000 | 1,290,000 | 2,219,000 | 3,294,000 |
| Net income | 1,853,000 | 3,816,000 | 6,273,000 | 8,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,374,000 | 109,588,000 | 112,379,000 | 115,813,000 |
| Total capital | 117,680,000 | 120,185,000 | 123,370,000 | 126,993,000 |
| Risk-weighted assets | 820,464,000 | 840,509,000 | 873,191,000 | 889,640,000 |