Call reports 2004
EVANS BANK, NATIONAL ASSOCIATION — 2004
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 400,338,000 | 391,151,000 | 429,445,000 | 416,668,000 |
| Total loans | 192,172,000 | 201,246,000 | 206,823,000 | 220,598,000 |
| Allowance for loan losses | 2,731,000 | 2,864,000 | 2,984,000 | 2,999,000 |
| Securities available for sale | 149,074,000 | 150,095,000 | 171,339,000 | 163,292,000 |
| Securities held to maturity | 3,676,000 | 4,808,000 | 5,066,000 | 3,062,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,288,000 | 321,356,000 | 333,048,000 | 301,985,000 |
| Interest-bearing deposits | 281,183,000 | 267,270,000 | 279,227,000 | 247,915,000 |
| Noninterest-bearing deposits | 51,105,000 | 54,086,000 | 53,821,000 | 54,070,000 |
| Equity capital | 34,261,000 | 32,977,000 | 34,772,000 | 35,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,023,000 | 8,381,000 | 12,860,000 | 17,708,000 |
| Interest expense | 1,026,000 | 2,221,000 | 3,453,000 | 5,016,000 |
| Net interest income | 2,997,000 | 6,160,000 | 9,407,000 | 12,692,000 |
| Noninterest income | 2,187,000 | 4,125,000 | 6,133,000 | 3,411,000 |
| Noninterest expense | 3,635,000 | 7,180,000 | 10,895,000 | 10,947,000 |
| Provision for loan losses | 136,000 | 272,000 | 394,000 | 485,000 |
| Pretax income | 1,556,000 | 2,977,000 | 4,419,000 | 4,916,000 |
| Income tax | 388,000 | 730,000 | 1,098,000 | 1,000,000 |
| Net income | 1,168,000 | 2,247,000 | 3,321,000 | 3,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,525,000 | 28,754,000 | 29,110,000 | 33,252,000 |
| Total capital | 30,245,000 | 31,607,000 | 32,083,000 | 36,240,000 |
| Risk-weighted assets | 232,004,000 | 238,446,000 | 249,188,000 | 256,144,000 |