Call reports 2008
EVERGREEN NATIONAL BANK — 2008
What EVERGREEN NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 88,318,000 | 86,497,000 | 82,933,000 | 92,601,000 |
| Total loans | 40,187,000 | 44,594,000 | 49,429,000 | 51,608,000 |
| Allowance for loan losses | 608,000 | 607,000 | 564,000 | 896,000 |
| Securities available for sale | 32,672,000 | 30,015,000 | 26,712,000 | 30,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,549,000 | 78,561,000 | 74,642,000 | 84,373,000 |
| Interest-bearing deposits | 51,282,000 | 50,932,000 | 48,871,000 | 54,090,000 |
| Noninterest-bearing deposits | 28,267,000 | 27,629,000 | 25,771,000 | 30,283,000 |
| Equity capital | 7,687,000 | 7,267,000 | 7,471,000 | 7,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,178,000 | 2,288,000 | 3,404,000 | 4,469,000 |
| Interest expense | 361,000 | 647,000 | 901,000 | 1,152,000 |
| Net interest income | 817,000 | 1,641,000 | 2,503,000 | 3,317,000 |
| Noninterest income | 390,000 | 388,000 | 587,000 | 716,000 |
| Noninterest expense | 928,000 | 1,743,000 | 2,614,000 | 3,485,000 |
| Provision for loan losses | 0 | 56,000 | 76,000 | 503,000 |
| Pretax income | 279,000 | 386,000 | 638,000 | 359,000 |
| Income tax | 103,000 | 131,000 | 219,000 | 118,000 |
| Net income | 176,000 | 255,000 | 419,000 | 241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,243,000 | 7,127,000 | 7,215,000 | 7,104,000 |
| Total capital | 7,851,000 | 7,734,000 | 7,779,000 | 7,849,000 |
| Risk-weighted assets | 53,096,000 | 56,621,000 | 56,693,000 | 59,475,000 |