Call reports 2014
EVANS BANK, NATIONAL ASSOCIATION — 2014
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 837,819,000 | 821,682,000 | 834,156,000 | 840,726,000 |
| Total loans | 660,695,000 | 663,399,000 | 685,340,000 | 695,664,000 |
| Allowance for loan losses | 11,734,000 | 11,522,000 | 11,955,000 | 12,533,000 |
| Securities available for sale | 94,597,000 | 102,514,000 | 99,608,000 | 95,533,000 |
| Securities held to maturity | 2,373,000 | 1,933,000 | 1,760,000 | 1,599,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 727,053,000 | 712,722,000 | 717,785,000 | 710,774,000 |
| Interest-bearing deposits | 662,924,000 | 643,025,000 | 643,098,000 | 630,580,000 |
| Noninterest-bearing deposits | 64,129,000 | 69,697,000 | 74,687,000 | 80,194,000 |
| Equity capital | 80,536,000 | 82,740,000 | 83,416,000 | 88,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,219,000 | 16,813,000 | 25,388,000 | 34,715,000 |
| Interest expense | 893,000 | 1,774,000 | 2,644,000 | 3,502,000 |
| Net interest income | 7,326,000 | 15,039,000 | 22,744,000 | 31,213,000 |
| Noninterest income | 1,411,000 | 3,028,000 | 4,803,000 | 3,736,000 |
| Noninterest expense | 6,466,000 | 13,762,000 | 20,112,000 | 26,867,000 |
| Provision for loan losses | 153,000 | 328,000 | 655,000 | 1,229,000 |
| Pretax income | 2,118,000 | 3,977,000 | 6,780,000 | 6,853,000 |
| Income tax | 596,000 | 1,104,000 | 1,967,000 | -103,000 |
| Net income | 1,522,000 | 2,873,000 | 4,813,000 | 6,956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,370,000 | 83,127,000 | 83,951,000 | 90,021,000 |
| Total capital | 89,271,000 | 91,105,000 | 92,163,000 | 98,317,000 |
| Risk-weighted assets | 628,240,000 | 634,685,000 | 653,282,000 | 659,448,000 |