Call reports 2007
EVANS BANK, NATIONAL ASSOCIATION — 2007
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 485,053,000 | 457,408,000 | 439,081,000 | 430,184,000 |
| Total loans | 294,352,000 | 302,318,000 | 307,619,000 | 324,111,000 |
| Allowance for loan losses | 3,885,000 | 3,866,000 | 3,841,000 | 4,555,000 |
| Securities available for sale | 146,439,000 | 112,459,000 | 89,904,000 | 66,632,000 |
| Securities held to maturity | 4,137,000 | 2,382,000 | 2,345,000 | 2,261,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,888,000 | 376,294,000 | 350,463,000 | 329,151,000 |
| Interest-bearing deposits | 310,637,000 | 299,642,000 | 271,493,000 | 256,540,000 |
| Noninterest-bearing deposits | 72,251,000 | 76,652,000 | 78,970,000 | 72,611,000 |
| Equity capital | 37,913,000 | 38,718,000 | 39,285,000 | 40,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,134,000 | 14,505,000 | 21,577,000 | 28,745,000 |
| Interest expense | 3,144,000 | 6,217,000 | 8,936,000 | 11,627,000 |
| Net interest income | 3,990,000 | 8,288,000 | 12,641,000 | 17,118,000 |
| Noninterest income | 1,017,000 | 2,184,000 | 3,381,000 | 4,593,000 |
| Noninterest expense | 3,783,000 | 7,360,000 | 11,026,000 | 14,495,000 |
| Provision for loan losses | 315,000 | 660,000 | 943,000 | 1,917,000 |
| Pretax income | 908,000 | 149,000 | 1,751,000 | 3,000,000 |
| Income tax | 137,000 | -372,000 | 38,000 | 483,000 |
| Net income | 771,000 | 521,000 | 1,713,000 | 2,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,061,000 | 38,128,000 | 38,305,000 | 39,103,000 |
| Total capital | 41,946,000 | 41,994,000 | 42,146,000 | 43,289,000 |
| Risk-weighted assets | 323,564,000 | 327,029,000 | 324,431,000 | 334,494,000 |