Call reports 2013
EVANS BANK, NATIONAL ASSOCIATION — 2013
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 813,644,000 | 806,921,000 | 818,178,000 | 824,028,000 |
| Total loans | 588,086,000 | 607,779,000 | 625,555,000 | 646,996,000 |
| Allowance for loan losses | 10,153,000 | 10,259,000 | 10,890,000 | 11,503,000 |
| Securities available for sale | 91,539,000 | 92,801,000 | 92,567,000 | 99,664,000 |
| Securities held to maturity | 3,734,000 | 3,706,000 | 3,776,000 | 2,384,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 703,809,000 | 698,205,000 | 709,176,000 | 713,825,000 |
| Interest-bearing deposits | 575,216,000 | 633,248,000 | 639,886,000 | 641,862,000 |
| Noninterest-bearing deposits | 128,593,000 | 64,957,000 | 69,290,000 | 71,963,000 |
| Equity capital | 74,358,000 | 74,874,000 | 75,903,000 | 77,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,956,000 | 15,950,000 | 24,080,000 | 32,385,000 |
| Interest expense | 1,102,000 | 2,064,000 | 2,990,000 | 3,922,000 |
| Net interest income | 6,854,000 | 13,886,000 | 21,090,000 | 28,463,000 |
| Noninterest income | 1,402,000 | 3,032,000 | 3,894,000 | 5,468,000 |
| Noninterest expense | 5,906,000 | 12,054,000 | 18,232,000 | 24,793,000 |
| Provision for loan losses | 450,000 | 530,000 | 1,304,000 | 1,540,000 |
| Pretax income | 1,900,000 | 4,334,000 | 5,448,000 | 7,598,000 |
| Income tax | 529,000 | 1,314,000 | 299,000 | 1,022,000 |
| Net income | 1,371,000 | 3,020,000 | 5,149,000 | 6,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,436,000 | 76,314,000 | 77,447,000 | 78,932,000 |
| Total capital | 81,564,000 | 83,548,000 | 85,009,000 | 86,757,000 |
| Risk-weighted assets | 567,187,000 | 575,810,000 | 601,615,000 | 622,560,000 |