Call reports 2023
EVANS BANK, NATIONAL ASSOCIATION — 2023
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,134,512,000 | 2,139,924,000 | 2,158,153,000 | 2,108,527,000 |
| Total loans | 1,658,576,000 | 1,670,753,000 | 1,704,400,000 | 1,720,946,000 |
| Allowance for loan losses | 21,523,000 | 21,368,000 | 21,846,000 | 22,114,000 |
| Securities available for sale | 365,929,000 | 351,593,000 | 334,460,000 | 275,680,000 |
| Securities held to maturity | 3,707,000 | 2,241,000 | 2,170,000 | 2,059,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,857,113,000 | 1,789,992,000 | 1,809,990,000 | 1,734,582,000 |
| Interest-bearing deposits | 1,365,956,000 | 1,344,420,000 | 1,358,099,000 | 1,328,523,000 |
| Noninterest-bearing deposits | 491,157,000 | 445,572,000 | 451,891,000 | 406,059,000 |
| Equity capital | 173,424,000 | 174,381,000 | 166,637,000 | 198,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 23,365,000 | 47,353,000 | 71,645,000 | 96,851,000 |
| Interest expense | 5,718,000 | 13,701,000 | 23,409,000 | 34,341,000 |
| Net interest income | 17,647,000 | 33,652,000 | 48,236,000 | 62,510,000 |
| Noninterest income | 1,830,000 | 3,965,000 | 6,144,000 | 8,116,000 |
| Noninterest expense | 12,240,000 | 24,166,000 | 36,359,000 | 51,354,000 |
| Provision for loan losses | -654,000 | -770,000 | -264,000 | 18,000 |
| Pretax income | 7,891,000 | 14,221,000 | 18,285,000 | 14,210,000 |
| Income tax | 1,707,000 | 2,957,000 | 3,847,000 | 3,372,000 |
| Net income | 6,184,000 | 11,264,000 | 14,438,000 | 10,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 217,171,000 | 223,244,000 | 223,461,000 | 239,167,000 |
| Total capital | 237,310,000 | 243,620,000 | 244,283,000 | 260,038,000 |
| Risk-weighted assets | 1,609,706,000 | 1,629,071,000 | 1,664,813,000 | 1,668,448,000 |