Call reports 2020
EVANS BANK, NATIONAL ASSOCIATION — 2020
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,508,276,000 | 2,049,079,000 | 2,040,299,000 | 2,028,161,000 |
| Total loans | 1,246,206,000 | 1,685,761,000 | 1,703,076,000 | 1,693,794,000 |
| Allowance for loan losses | 18,157,000 | 18,754,000 | 20,601,000 | 20,415,000 |
| Securities available for sale | 159,191,000 | 163,507,000 | 155,761,000 | 162,396,000 |
| Securities held to maturity | 2,847,000 | 6,468,000 | 4,996,000 | 4,204,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,332,234,000 | 1,811,964,000 | 1,788,248,000 | 1,776,133,000 |
| Interest-bearing deposits | 1,223,712,000 | 1,635,174,000 | 1,631,792,000 | 1,632,337,000 |
| Noninterest-bearing deposits | 108,522,000 | 176,791,000 | 156,456,000 | 143,796,000 |
| Equity capital | 145,027,000 | 157,978,000 | 176,881,000 | 183,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 15,823,000 | 32,892,000 | 50,658,000 | 68,833,000 |
| Interest expense | 3,044,000 | 5,177,000 | 7,007,000 | 8,415,000 |
| Net interest income | 12,779,000 | 27,715,000 | 43,651,000 | 60,418,000 |
| Noninterest income | 1,027,000 | 2,717,000 | 5,516,000 | 8,113,000 |
| Noninterest expense | 9,926,000 | 24,657,000 | 36,651,000 | 48,674,000 |
| Provision for loan losses | 2,999,000 | 3,596,000 | 5,477,000 | 5,351,000 |
| Pretax income | 881,000 | 2,179,000 | 7,039,000 | 14,506,000 |
| Income tax | 0 | 0 | 354,000 | 1,142,000 |
| Net income | 881,000 | 2,179,000 | 6,685,000 | 13,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 145,688,000 | 155,431,000 | 175,084,000 | 181,916,000 |
| Total capital | 161,277,000 | 173,186,000 | 192,831,000 | 199,863,000 |
| Risk-weighted assets | 1,244,557,000 | 1,419,445,000 | 1,416,872,000 | 1,433,327,000 |