Call reports 2017
EVANS BANK, NATIONAL ASSOCIATION — 2017
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,128,704,000 | 1,171,975,000 | 1,209,181,000 | 1,284,932,000 |
| Total loans | 945,583,000 | 976,493,000 | 998,005,000 | 1,065,315,000 |
| Allowance for loan losses | 13,579,000 | 14,178,000 | 14,182,000 | 14,019,000 |
| Securities available for sale | 114,896,000 | 141,225,000 | 148,300,000 | 143,818,000 |
| Securities held to maturity | 1,408,000 | 1,372,000 | 4,487,000 | 5,334,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 981,081,000 | 1,020,193,000 | 1,035,417,000 | 1,052,459,000 |
| Interest-bearing deposits | 897,727,000 | 932,641,000 | 948,980,000 | 965,927,000 |
| Noninterest-bearing deposits | 83,353,000 | 87,552,000 | 86,437,000 | 86,532,000 |
| Equity capital | 113,521,000 | 116,312,000 | 118,573,000 | 119,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 10,918,000 | 22,380,000 | 34,954,000 | 47,748,000 |
| Interest expense | 1,248,000 | 2,566,000 | 4,020,000 | 5,629,000 |
| Net interest income | 9,670,000 | 19,814,000 | 30,934,000 | 42,119,000 |
| Noninterest income | 1,464,000 | 2,737,000 | 4,040,000 | 5,521,000 |
| Noninterest expense | 7,432,000 | 15,132,000 | 23,253,000 | 31,838,000 |
| Provision for loan losses | -435,000 | -25,000 | 136,000 | 738,000 |
| Pretax income | 4,137,000 | 7,444,000 | 11,585,000 | 15,064,000 |
| Income tax | 1,190,000 | 1,869,000 | 2,402,000 | 4,674,000 |
| Net income | 2,947,000 | 5,575,000 | 9,183,000 | 10,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,300,000 | 118,135,000 | 120,508,000 | 122,421,000 |
| Total capital | 127,073,000 | 130,400,000 | 133,033,000 | 135,764,000 |
| Risk-weighted assets | 939,950,000 | 979,224,000 | 1,000,321,000 | 1,066,703,000 |