Call reports 2011
EVANS BANK, NATIONAL ASSOCIATION — 2011
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 688,727,000 | 692,264,000 | 722,654,000 | 730,893,000 |
| Total loans | 531,629,000 | 542,494,000 | 568,575,000 | 583,405,000 |
| Allowance for loan losses | 10,482,000 | 10,667,000 | 10,708,000 | 11,495,000 |
| Securities available for sale | 95,468,000 | 92,807,000 | 91,782,000 | 99,981,000 |
| Securities held to maturity | 2,235,000 | 2,487,000 | 2,400,000 | 3,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 586,570,000 | 588,390,000 | 615,259,000 | 618,756,000 |
| Interest-bearing deposits | 485,703,000 | 481,919,000 | 497,201,000 | 497,995,000 |
| Noninterest-bearing deposits | 100,867,000 | 106,471,000 | 118,058,000 | 120,761,000 |
| Equity capital | 64,180,000 | 66,064,000 | 67,665,000 | 68,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,014,000 | 16,028,000 | 24,197,000 | 32,715,000 |
| Interest expense | 1,687,000 | 3,386,000 | 5,011,000 | 6,607,000 |
| Net interest income | 6,327,000 | 12,642,000 | 19,186,000 | 26,108,000 |
| Noninterest income | 1,371,000 | 2,696,000 | 4,005,000 | 5,504,000 |
| Noninterest expense | 5,281,000 | 10,628,000 | 16,064,000 | 21,859,000 |
| Provision for loan losses | 488,000 | 1,497,000 | 1,656,000 | 2,484,000 |
| Pretax income | 1,929,000 | 3,213,000 | 5,497,000 | 7,295,000 |
| Income tax | 506,000 | 914,000 | 1,560,000 | 2,043,000 |
| Net income | 1,423,000 | 2,299,000 | 3,937,000 | 5,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,465,000 | 65,589,000 | 66,491,000 | 68,043,000 |
| Total capital | 70,943,000 | 72,175,000 | 73,387,000 | 75,050,000 |
| Risk-weighted assets | 514,266,000 | 522,809,000 | 547,850,000 | 556,054,000 |