Call reports 2008
EVANS BANK, NATIONAL ASSOCIATION — 2008
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 447,922,000 | 472,278,000 | 489,771,000 | 516,428,000 |
| Total loans | 339,654,000 | 366,020,000 | 384,518,000 | 407,713,000 |
| Allowance for loan losses | 4,752,000 | 5,059,000 | 5,091,000 | 6,087,000 |
| Securities available for sale | 67,956,000 | 61,754,000 | 59,625,000 | 70,239,000 |
| Securities held to maturity | 2,172,000 | 2,074,000 | 2,030,000 | 1,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,357,000 | 373,454,000 | 405,574,000 | 405,175,000 |
| Interest-bearing deposits | 270,231,000 | 294,513,000 | 325,020,000 | 327,740,000 |
| Noninterest-bearing deposits | 75,126,000 | 78,941,000 | 80,554,000 | 77,435,000 |
| Equity capital | 43,462,000 | 44,606,000 | 44,601,000 | 45,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,896,000 | 14,047,000 | 21,680,000 | 29,152,000 |
| Interest expense | 2,448,000 | 4,699,000 | 7,134,000 | 9,597,000 |
| Net interest income | 4,448,000 | 9,348,000 | 14,546,000 | 19,555,000 |
| Noninterest income | 1,397,000 | 2,585,000 | 3,744,000 | 4,800,000 |
| Noninterest expense | 3,794,000 | 7,558,000 | 11,534,000 | 15,148,000 |
| Provision for loan losses | 557,000 | 1,232,000 | 1,814,000 | 3,508,000 |
| Pretax income | 1,494,000 | 3,150,000 | 4,949,000 | 5,709,000 |
| Income tax | 360,000 | 796,000 | 1,424,000 | 1,591,000 |
| Net income | 1,134,000 | 2,354,000 | 3,525,000 | 4,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,606,000 | 43,114,000 | 43,191,000 | 43,436,000 |
| Total capital | 45,987,000 | 47,844,000 | 48,144,000 | 48,726,000 |
| Risk-weighted assets | 350,075,000 | 378,087,000 | 396,084,000 | 422,425,000 |