Call reports 2006
EVANS BANK, NATIONAL ASSOCIATION — 2006
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 447,909,000 | 455,290,000 | 452,833,000 | 461,486,000 |
| Total loans | 261,505,000 | 272,987,000 | 278,951,000 | 289,106,000 |
| Allowance for loan losses | 3,364,000 | 3,604,000 | 3,680,000 | 3,739,000 |
| Securities available for sale | 146,216,000 | 139,115,000 | 133,096,000 | 129,623,000 |
| Securities held to maturity | 4,383,000 | 4,424,000 | 4,289,000 | 4,206,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,939,000 | 344,654,000 | 361,203,000 | 357,720,000 |
| Interest-bearing deposits | 306,089,000 | 275,596,000 | 289,824,000 | 284,732,000 |
| Noninterest-bearing deposits | 63,850,000 | 69,058,000 | 71,379,000 | 72,988,000 |
| Equity capital | 35,086,000 | 35,685,000 | 37,035,000 | 37,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,204,000 | 12,662,000 | 19,394,000 | 26,296,000 |
| Interest expense | 2,452,000 | 5,215,000 | 8,183,000 | 11,188,000 |
| Net interest income | 3,752,000 | 7,447,000 | 11,211,000 | 15,108,000 |
| Noninterest income | 979,000 | 2,007,000 | 3,169,000 | 4,388,000 |
| Noninterest expense | 3,282,000 | 6,652,000 | 9,901,000 | 13,164,000 |
| Provision for loan losses | 282,000 | 510,000 | 815,000 | 1,128,000 |
| Pretax income | 1,167,000 | 2,293,000 | 3,778,000 | 5,344,000 |
| Income tax | 274,000 | 498,000 | 861,000 | 1,276,000 |
| Net income | 893,000 | 1,795,000 | 2,917,000 | 4,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,642,000 | 36,686,000 | 36,816,000 | 38,272,000 |
| Total capital | 38,995,000 | 40,279,000 | 40,496,000 | 42,011,000 |
| Risk-weighted assets | 293,880,000 | 298,819,000 | 305,193,000 | 315,456,000 |