Call reports 2005
EVANGELINE BANK AND TRUST COMPANY, THE — 2005
What EVANGELINE BANK AND TRUST COMPANY, THE 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 | 398,343,000 | 400,727,000 | 412,924,000 | 426,628,000 |
| Total loans | 230,582,000 | 246,204,000 | 260,629,000 | 263,405,000 |
| Allowance for loan losses | 3,567,000 | 3,767,000 | 3,936,000 | 4,152,000 |
| Securities available for sale | 124,834,000 | 123,641,000 | 108,651,000 | 109,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,736,000 | 320,668,000 | 329,977,000 | 349,393,000 |
| Interest-bearing deposits | 272,140,000 | 264,607,000 | 267,647,000 | 279,947,000 |
| Noninterest-bearing deposits | 54,596,000 | 56,061,000 | 62,330,000 | 69,446,000 |
| Equity capital | 68,193,000 | 70,015,000 | 71,156,000 | 69,650,000 |
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 | 5,279,000 | 10,751,000 | 16,515,000 | 22,519,000 |
| Interest expense | 1,390,000 | 2,840,000 | 4,477,000 | 6,302,000 |
| Net interest income | 3,889,000 | 7,911,000 | 12,038,000 | 16,217,000 |
| Noninterest income | 762,000 | 1,476,000 | 2,174,000 | 2,902,000 |
| Noninterest expense | 2,362,000 | 4,707,000 | 7,168,000 | 9,276,000 |
| Provision for loan losses | 135,000 | 435,000 | 735,000 | 1,035,000 |
| Pretax income | 2,153,000 | 4,244,000 | 6,321,000 | 8,820,000 |
| Income tax | 744,000 | 1,450,000 | 2,051,000 | 2,547,000 |
| Net income | 1,409,000 | 2,794,000 | 4,270,000 | 6,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,116,000 | 69,501,000 | 70,977,000 | 69,854,000 |
| Total capital | 70,877,000 | 72,419,000 | 74,093,000 | 73,094,000 |
| Risk-weighted assets | 220,091,000 | 232,583,000 | 248,493,000 | 258,320,000 |