Call reports 2002
EVANS BANK, NATIONAL ASSOCIATION — 2002
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 257,972,000 | 263,002,000 | 263,113,000 | 288,711,000 |
| Total loans | 143,945,000 | 149,573,000 | 150,363,000 | 151,143,000 |
| Allowance for loan losses | 1,896,000 | 1,983,000 | 2,084,000 | 2,146,000 |
| Securities available for sale | 89,502,000 | 87,270,000 | 86,876,000 | 101,783,000 |
| Securities held to maturity | 2,654,000 | 2,868,000 | 3,478,000 | 3,641,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,137,000 | 217,956,000 | 215,985,000 | 239,507,000 |
| Interest-bearing deposits | 174,347,000 | 172,853,000 | 174,975,000 | 199,093,000 |
| Noninterest-bearing deposits | 39,790,000 | 45,103,000 | 41,010,000 | 40,414,000 |
| Equity capital | 27,077,000 | 29,096,000 | 30,244,000 | 30,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,945,000 | 7,847,000 | 11,642,000 | 15,212,000 |
| Interest expense | 1,327,000 | 2,602,000 | 3,771,000 | 4,816,000 |
| Net interest income | 2,618,000 | 5,245,000 | 7,871,000 | 10,396,000 |
| Noninterest income | 1,344,000 | 2,539,000 | 3,914,000 | 5,363,000 |
| Noninterest expense | 2,614,000 | 5,188,000 | 7,857,000 | 10,651,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,253,000 | 2,497,000 | 3,724,000 | 4,799,000 |
| Income tax | 374,000 | 691,000 | 983,000 | 1,193,000 |
| Net income | 879,000 | 1,806,000 | 2,741,000 | 3,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,282,000 | 24,385,000 | 24,636,000 | 25,434,000 |
| Total capital | 25,167,000 | 26,357,000 | 26,673,000 | 27,554,000 |
| Risk-weighted assets | 157,294,000 | 162,172,000 | 163,782,000 | 170,441,000 |