Call reports 2004
EVANGELINE BANK AND TRUST COMPANY, THE — 2004
What EVANGELINE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 404,900,000 | 410,739,000 | 404,228,000 | 413,541,000 |
| Total loans | 203,330,000 | 211,106,000 | 223,697,000 | 225,284,000 |
| Allowance for loan losses | 3,578,000 | 3,600,000 | 3,635,000 | 3,706,000 |
| Securities available for sale | 162,520,000 | 169,341,000 | 150,208,000 | 141,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,339,000 | 338,812,000 | 330,927,000 | 343,623,000 |
| Interest-bearing deposits | 283,154,000 | 286,953,000 | 278,909,000 | 287,383,000 |
| Noninterest-bearing deposits | 52,185,000 | 51,859,000 | 52,018,000 | 56,240,000 |
| Equity capital | 65,795,000 | 65,360,000 | 68,317,000 | 67,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,998,000 | 10,023,000 | 15,277,000 | 20,476,000 |
| Interest expense | 1,485,000 | 2,943,000 | 4,400,000 | 5,828,000 |
| Net interest income | 3,513,000 | 7,080,000 | 10,877,000 | 14,648,000 |
| Noninterest income | 739,000 | 1,417,000 | 2,114,000 | 2,788,000 |
| Noninterest expense | 2,186,000 | 4,493,000 | 6,782,000 | 8,949,000 |
| Provision for loan losses | 300,000 | 400,000 | 470,000 | 580,000 |
| Pretax income | 1,766,000 | 3,604,000 | 5,825,000 | 7,994,000 |
| Income tax | 578,000 | 1,100,000 | 1,818,000 | 2,574,000 |
| Net income | 1,188,000 | 2,504,000 | 4,007,000 | 5,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,605,000 | 65,921,000 | 67,424,000 | 66,707,000 |
| Total capital | 67,056,000 | 68,476,000 | 70,089,000 | 69,438,000 |
| Risk-weighted assets | 194,921,000 | 203,339,000 | 212,221,000 | 217,493,000 |