Call reports 2018
EVANS BANK, NATIONAL ASSOCIATION — 2018
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,341,401,000 | 1,333,819,000 | 1,365,403,000 | 1,372,904,000 |
| Total loans | 1,109,961,000 | 1,125,895,000 | 1,155,566,000 | 1,155,930,000 |
| Allowance for loan losses | 14,693,000 | 15,235,000 | 15,213,000 | 14,784,000 |
| Securities available for sale | 157,786,000 | 141,933,000 | 136,539,000 | 132,104,000 |
| Securities held to maturity | 4,724,000 | 4,637,000 | 1,370,000 | 1,685,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,137,936,000 | 1,188,874,000 | 1,220,050,000 | 1,217,845,000 |
| Interest-bearing deposits | 1,046,000,000 | 1,095,739,000 | 1,128,052,000 | 1,131,367,000 |
| Noninterest-bearing deposits | 91,937,000 | 93,135,000 | 91,999,000 | 86,479,000 |
| Equity capital | 119,370,000 | 117,723,000 | 121,664,000 | 127,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 13,366,000 | 27,613,000 | 42,303,000 | 57,612,000 |
| Interest expense | 1,887,000 | 3,909,000 | 6,481,000 | 9,384,000 |
| Net interest income | 11,479,000 | 23,704,000 | 35,822,000 | 48,228,000 |
| Noninterest income | 1,810,000 | 3,565,000 | 5,359,000 | 6,256,000 |
| Noninterest expense | 8,282,000 | 16,674,000 | 25,739,000 | 34,795,000 |
| Provision for loan losses | 767,000 | 1,426,000 | 1,678,000 | 1,402,000 |
| Pretax income | 4,240,000 | 9,169,000 | 13,764,000 | 18,288,000 |
| Income tax | 899,000 | 2,005,000 | 2,121,000 | 1,961,000 |
| Net income | 3,341,000 | 7,164,000 | 11,643,000 | 16,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,762,000 | 122,968,000 | 127,742,000 | 132,583,000 |
| Total capital | 137,676,000 | 137,199,000 | 142,163,000 | 146,957,000 |
| Risk-weighted assets | 1,112,308,000 | 1,137,505,000 | 1,152,895,000 | 1,149,478,000 |