Call reports 2012
EVANS BANK, NATIONAL ASSOCIATION — 2012
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 766,011,000 | 768,846,000 | 789,752,000 | 799,610,000 |
| Total loans | 579,700,000 | 597,923,000 | 598,617,000 | 582,895,000 |
| Allowance for loan losses | 10,790,000 | 10,658,000 | 10,208,000 | 9,732,000 |
| Securities available for sale | 108,657,000 | 93,093,000 | 91,878,000 | 92,063,000 |
| Securities held to maturity | 3,835,000 | 3,708,000 | 4,034,000 | 3,744,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 653,295,000 | 656,820,000 | 676,670,000 | 683,403,000 |
| Interest-bearing deposits | 593,289,000 | 598,382,000 | 546,479,000 | 555,587,000 |
| Noninterest-bearing deposits | 60,006,000 | 58,438,000 | 130,191,000 | 127,816,000 |
| Equity capital | 69,483,000 | 71,141,000 | 72,556,000 | 73,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,369,000 | 16,657,000 | 24,966,000 | 33,377,000 |
| Interest expense | 1,485,000 | 2,862,000 | 4,195,000 | 5,473,000 |
| Net interest income | 6,884,000 | 13,795,000 | 20,771,000 | 27,904,000 |
| Noninterest income | 1,340,000 | 2,738,000 | 4,180,000 | 5,857,000 |
| Noninterest expense | 5,666,000 | 11,727,000 | 17,805,000 | 23,862,000 |
| Provision for loan losses | -249,000 | 52,000 | 62,000 | -68,000 |
| Pretax income | 2,807,000 | 4,755,000 | 7,084,000 | 9,968,000 |
| Income tax | 842,000 | 1,503,000 | 1,982,000 | 3,007,000 |
| Net income | 1,965,000 | 3,252,000 | 5,102,000 | 6,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,167,000 | 70,773,000 | 71,793,000 | 72,988,000 |
| Total capital | 76,222,000 | 77,973,000 | 79,163,000 | 80,251,000 |
| Risk-weighted assets | 560,677,000 | 581,553,000 | 586,766,000 | 578,469,000 |