Call reports 2009
EVANS BANK, NATIONAL ASSOCIATION — 2009
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 543,999,000 | 540,242,000 | 601,323,000 | 607,732,000 |
| Total loans | 418,800,000 | 424,757,000 | 479,066,000 | 489,568,000 |
| Allowance for loan losses | 7,779,000 | 5,579,000 | 6,063,000 | 6,971,000 |
| Securities available for sale | 88,903,000 | 74,823,000 | 77,904,000 | 72,280,000 |
| Securities held to maturity | 1,881,000 | 2,031,000 | 2,753,000 | 3,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,549,000 | 452,560,000 | 503,947,000 | 500,685,000 |
| Interest-bearing deposits | 379,711,000 | 363,411,000 | 419,561,000 | 411,653,000 |
| Noninterest-bearing deposits | 81,838,000 | 89,149,000 | 84,386,000 | 89,032,000 |
| Equity capital | 42,332,000 | 41,621,000 | 44,377,000 | 45,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,427,000 | 14,894,000 | 22,817,000 | 30,700,000 |
| Interest expense | 2,163,000 | 4,249,000 | 6,177,000 | 7,970,000 |
| Net interest income | 5,264,000 | 10,645,000 | 16,640,000 | 22,730,000 |
| Noninterest income | 1,570,000 | 3,320,000 | 5,389,000 | 6,858,000 |
| Noninterest expense | 6,327,000 | 11,082,000 | 15,504,000 | 20,654,000 |
| Provision for loan losses | 3,314,000 | 8,949,000 | 9,583,000 | 10,500,000 |
| Pretax income | -2,807,000 | -6,060,000 | -3,042,000 | -1,548,000 |
| Income tax | -996,000 | -2,080,000 | -1,444,000 | -1,241,000 |
| Net income | -1,811,000 | -3,980,000 | -1,598,000 | -307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,071,000 | 41,489,000 | 43,424,000 | 45,008,000 |
| Total capital | 47,577,000 | 47,041,000 | 49,249,000 | 50,949,000 |
| Risk-weighted assets | 438,235,000 | 444,137,000 | 465,743,000 | 474,265,000 |