Call reports 2005
EVERGREEN NATIONAL BANK — 2005
What EVERGREEN NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 75,779,000 | 74,710,000 | 75,770,000 | 75,711,000 |
| Total loans | 38,768,000 | 40,019,000 | 40,127,000 | 39,759,000 |
| Allowance for loan losses | 468,000 | 528,000 | 557,000 | 687,000 |
| Securities available for sale | 2,231,000 | 2,254,000 | 2,231,000 | 20,349,000 |
| Securities held to maturity | 18,850,000 | 17,835,000 | 19,778,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,819,000 | 67,662,000 | 68,587,000 | 69,005,000 |
| Interest-bearing deposits | 41,675,000 | 39,875,000 | 40,556,000 | 41,379,000 |
| Noninterest-bearing deposits | 27,144,000 | 27,787,000 | 28,031,000 | 27,626,000 |
| Equity capital | 6,534,000 | 6,642,000 | 6,701,000 | 6,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 905,000 | 1,846,000 | 2,828,000 | 3,862,000 |
| Interest expense | 148,000 | 295,000 | 464,000 | 682,000 |
| Net interest income | 757,000 | 1,551,000 | 2,364,000 | 3,180,000 |
| Noninterest income | 194,000 | 394,000 | 590,000 | 779,000 |
| Noninterest expense | 747,000 | 1,431,000 | 2,178,000 | 3,008,000 |
| Provision for loan losses | 46,000 | 88,000 | 115,000 | 372,000 |
| Pretax income | 158,000 | 426,000 | 661,000 | 579,000 |
| Income tax | 58,000 | 157,000 | 244,000 | 214,000 |
| Net income | 100,000 | 269,000 | 417,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,534,000 | 6,642,000 | 6,701,000 | 6,360,000 |
| Total capital | 7,002,000 | 7,170,000 | 7,258,000 | 6,940,000 |
| Risk-weighted assets | 46,371,000 | 46,169,000 | 46,520,000 | 46,258,000 |