Call reports 2003
EVANS BANK, NATIONAL ASSOCIATION — 2003
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 331,650,000 | 331,893,000 | 335,632,000 | 334,677,000 |
| Total loans | 160,175,000 | 169,628,000 | 177,771,000 | 188,067,000 |
| Allowance for loan losses | 2,266,000 | 2,382,000 | 2,496,000 | 2,539,000 |
| Securities available for sale | 135,165,000 | 122,985,000 | 124,740,000 | 114,953,000 |
| Securities held to maturity | 3,326,000 | 4,050,000 | 3,642,000 | 3,749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,970,000 | 273,597,000 | 274,056,000 | 266,325,000 |
| Interest-bearing deposits | 229,106,000 | 221,559,000 | 224,561,000 | 214,440,000 |
| Noninterest-bearing deposits | 46,864,000 | 52,038,000 | 49,495,000 | 51,885,000 |
| Equity capital | 31,010,000 | 32,746,000 | 32,112,000 | 33,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,821,000 | 7,698,000 | 11,344,000 | 15,330,000 |
| Interest expense | 1,135,000 | 2,334,000 | 3,461,000 | 4,484,000 |
| Net interest income | 2,686,000 | 5,364,000 | 7,883,000 | 10,846,000 |
| Noninterest income | 1,889,000 | 3,748,000 | 5,724,000 | 7,395,000 |
| Noninterest expense | 3,310,000 | 6,383,000 | 9,515,000 | 12,739,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,394,000 | 2,701,000 | 4,003,000 | 5,293,000 |
| Income tax | 320,000 | 615,000 | 908,000 | 1,224,000 |
| Net income | 1,074,000 | 2,086,000 | 3,095,000 | 4,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,368,000 | 26,643,000 | 26,389,000 | 27,283,000 |
| Total capital | 27,623,000 | 29,014,000 | 28,874,000 | 29,811,000 |
| Risk-weighted assets | 192,974,000 | 199,675,000 | 208,548,000 | 214,773,000 |