Call reports 2015
EVANS BANK, NATIONAL ASSOCIATION — 2015
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 898,484,000 | 902,572,000 | 915,352,000 | 933,815,000 |
| Total loans | 701,738,000 | 710,832,000 | 731,238,000 | 773,983,000 |
| Allowance for loan losses | 12,777,000 | 13,110,000 | 13,456,000 | 12,883,000 |
| Securities available for sale | 98,393,000 | 105,268,000 | 105,122,000 | 97,142,000 |
| Securities held to maturity | 1,588,000 | 1,465,000 | 1,529,000 | 1,617,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 784,096,000 | 777,984,000 | 787,089,000 | 807,947,000 |
| Interest-bearing deposits | 707,253,000 | 704,944,000 | 710,498,000 | 722,931,000 |
| Noninterest-bearing deposits | 76,843,000 | 73,040,000 | 76,591,000 | 85,016,000 |
| Equity capital | 89,094,000 | 90,326,000 | 91,476,000 | 92,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,456,000 | 17,093,000 | 26,190,000 | 35,629,000 |
| Interest expense | 846,000 | 1,807,000 | 2,736,000 | 3,707,000 |
| Net interest income | 7,610,000 | 15,286,000 | 23,454,000 | 31,922,000 |
| Noninterest income | 1,397,000 | 3,247,000 | 5,700,000 | 7,197,000 |
| Noninterest expense | 6,496,000 | 13,572,000 | 20,604,000 | 28,102,000 |
| Provision for loan losses | 201,000 | 616,000 | 1,012,000 | 1,216,000 |
| Pretax income | 2,310,000 | 4,345,000 | 7,538,000 | 9,801,000 |
| Income tax | 788,000 | 1,410,000 | 2,423,000 | 3,071,000 |
| Net income | 1,522,000 | 2,935,000 | 5,115,000 | 6,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,798,000 | 90,924,000 | 91,692,000 | 93,688,000 |
| Total capital | 98,773,000 | 100,117,000 | 101,456,000 | 103,886,000 |
| Risk-weighted assets | 714,247,000 | 730,823,000 | 776,773,000 | 812,566,000 |