Call reports 2003
EVABANK — 2003
What EVABANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 138,842,000 | 143,691,000 | 149,513,000 | 157,018,000 |
| Total loans | 117,000,000 | 122,256,000 | 128,695,000 | 133,122,000 |
| Allowance for loan losses | 1,821,000 | 1,834,000 | 1,930,000 | 1,997,000 |
| Securities available for sale | 3,151,000 | 2,232,000 | 5,195,000 | 7,885,000 |
| Securities held to maturity | 11,253,000 | 11,058,000 | 9,251,000 | 8,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,784,000 | 118,402,000 | 118,513,000 | 120,713,000 |
| Interest-bearing deposits | 112,695,000 | 112,616,000 | 112,691,000 | 114,962,000 |
| Noninterest-bearing deposits | 5,089,000 | 5,786,000 | 5,822,000 | 5,751,000 |
| Equity capital | 10,135,000 | 11,238,000 | 11,803,000 | 12,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,778,000 | 5,642,000 | 8,591,000 | 11,622,000 |
| Interest expense | 789,000 | 1,535,000 | 2,240,000 | 2,977,000 |
| Net interest income | 1,989,000 | 4,107,000 | 6,351,000 | 8,645,000 |
| Noninterest income | 174,000 | 425,000 | 626,000 | 804,000 |
| Noninterest expense | 704,000 | 1,387,000 | 2,122,000 | 2,932,000 |
| Provision for loan losses | 309,000 | 558,000 | 915,000 | 1,291,000 |
| Pretax income | 467,000 | 1,328,000 | 2,178,000 | 3,340,000 |
| Income tax | 102,000 | 418,000 | 733,000 | 1,108,000 |
| Net income | 365,000 | 910,000 | 1,445,000 | 2,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,139,000 | 11,181,000 | 11,716,000 | 12,503,000 |
| Total capital | 11,376,000 | 12,466,000 | 13,048,000 | 13,864,000 |
| Risk-weighted assets | 98,400,000 | 102,349,000 | 105,997,000 | 108,284,000 |