Call reports 2001
EVANS BANK, NATIONAL ASSOCIATION — 2001
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 228,833,000 | 234,871,000 | 239,453,000 | 248,577,000 |
| Total loans | 131,818,000 | 137,572,000 | 139,937,000 | 144,110,000 |
| Allowance for loan losses | 1,493,000 | 1,597,000 | 1,721,000 | 1,786,000 |
| Securities available for sale | 74,681,000 | 74,507,000 | 76,457,000 | 80,482,000 |
| Securities held to maturity | 2,701,000 | 2,760,000 | 2,799,000 | 2,330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,727,000 | 191,817,000 | 195,516,000 | 204,260,000 |
| Interest-bearing deposits | 159,564,000 | 155,632,000 | 157,753,000 | 164,662,000 |
| Noninterest-bearing deposits | 33,163,000 | 36,185,000 | 37,763,000 | 39,598,000 |
| Equity capital | 25,815,000 | 26,161,000 | 26,827,000 | 26,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,000,000 | 7,999,000 | 11,945,000 | 15,647,000 |
| Interest expense | 1,793,000 | 3,493,000 | 5,103,000 | 6,537,000 |
| Net interest income | 2,207,000 | 4,506,000 | 6,842,000 | 9,110,000 |
| Noninterest income | 1,127,000 | 2,226,000 | 3,302,000 | 4,355,000 |
| Noninterest expense | 2,340,000 | 4,729,000 | 7,087,000 | 9,542,000 |
| Provision for loan losses | 75,000 | 170,000 | 309,000 | 420,000 |
| Pretax income | 935,000 | 1,921,000 | 2,914,000 | 3,687,000 |
| Income tax | 280,000 | 616,000 | 884,000 | 1,108,000 |
| Net income | 655,000 | 1,305,000 | 2,030,000 | 2,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,667,000 | 22,442,000 | 22,658,000 | 23,451,000 |
| Total capital | 23,149,000 | 24,028,000 | 24,368,000 | 25,226,000 |
| Risk-weighted assets | 138,833,000 | 145,004,000 | 146,776,000 | 154,166,000 |