Call reports 2016
EVANS BANK, NATIONAL ASSOCIATION — 2016
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 980,466,000 | 1,012,229,000 | 1,075,172,000 | 1,091,291,000 |
| Total loans | 796,773,000 | 853,304,000 | 912,852,000 | 942,512,000 |
| Allowance for loan losses | 13,119,000 | 12,773,000 | 13,712,000 | 13,916,000 |
| Securities available for sale | 114,687,000 | 109,107,000 | 103,385,000 | 95,222,000 |
| Securities held to maturity | 1,607,000 | 1,522,000 | 1,474,000 | 1,983,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 850,301,000 | 871,351,000 | 898,644,000 | 940,900,000 |
| Interest-bearing deposits | 774,583,000 | 787,865,000 | 821,592,000 | 858,437,000 |
| Noninterest-bearing deposits | 75,718,000 | 83,486,000 | 77,052,000 | 82,463,000 |
| Equity capital | 93,600,000 | 96,057,000 | 97,164,000 | 98,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,356,000 | 19,050,000 | 29,291,000 | 39,955,000 |
| Interest expense | 1,065,000 | 2,209,000 | 3,348,000 | 4,584,000 |
| Net interest income | 8,291,000 | 16,841,000 | 25,943,000 | 35,371,000 |
| Noninterest income | 1,354,000 | 2,193,000 | 3,766,000 | 5,133,000 |
| Noninterest expense | 7,328,000 | 14,878,000 | 22,440,000 | 30,438,000 |
| Provision for loan losses | 208,000 | -168,000 | 838,000 | 1,209,000 |
| Pretax income | 2,117,000 | 4,324,000 | 6,431,000 | 8,857,000 |
| Income tax | 650,000 | 1,003,000 | 1,268,000 | 1,396,000 |
| Net income | 1,467,000 | 3,321,000 | 5,163,000 | 7,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,028,000 | 96,450,000 | 97,767,000 | 100,336,000 |
| Total capital | 104,189,000 | 107,321,000 | 109,353,000 | 112,244,000 |
| Risk-weighted assets | 809,642,000 | 867,571,000 | 924,554,000 | 950,398,000 |