Call reports 2005
EVANS BANK, NATIONAL ASSOCIATION — 2005
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 444,803,000 | 449,675,000 | 446,534,000 | 456,036,000 |
| Total loans | 225,904,000 | 243,622,000 | 252,037,000 | 260,021,000 |
| Allowance for loan losses | 3,179,000 | 3,165,000 | 3,326,000 | 3,211,000 |
| Securities available for sale | 171,856,000 | 166,448,000 | 157,644,000 | 151,334,000 |
| Securities held to maturity | 3,020,000 | 4,517,000 | 4,258,000 | 4,234,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,493,000 | 362,453,000 | 355,896,000 | 337,441,000 |
| Interest-bearing deposits | 298,721,000 | 298,269,000 | 287,806,000 | 265,625,000 |
| Noninterest-bearing deposits | 58,772,000 | 64,184,000 | 68,090,000 | 71,816,000 |
| Equity capital | 34,258,000 | 36,440,000 | 35,182,000 | 36,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,199,000 | 10,893,000 | 16,845,000 | 22,882,000 |
| Interest expense | 1,752,000 | 3,753,000 | 5,843,000 | 8,168,000 |
| Net interest income | 3,447,000 | 7,140,000 | 11,002,000 | 14,714,000 |
| Noninterest income | 908,000 | 1,854,000 | 2,849,000 | 3,956,000 |
| Noninterest expense | 3,244,000 | 6,443,000 | 9,594,000 | 12,784,000 |
| Provision for loan losses | 151,000 | 339,000 | 554,000 | 769,000 |
| Pretax income | 1,053,000 | 2,317,000 | 3,810,000 | 5,225,000 |
| Income tax | 213,000 | 509,000 | 903,000 | 1,218,000 |
| Net income | 840,000 | 1,808,000 | 2,907,000 | 4,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,134,000 | 34,237,000 | 32,692,000 | 35,855,000 |
| Total capital | 36,302,000 | 37,391,000 | 36,007,000 | 39,055,000 |
| Risk-weighted assets | 267,961,000 | 281,166,000 | 286,588,000 | 294,409,000 |