Call reports 2004
EVABANK — 2004
What EVABANK 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 | 162,422,000 | 173,693,000 | 187,001,000 | 198,138,000 |
| Total loans | 138,887,000 | 148,432,000 | 157,215,000 | 170,943,000 |
| Allowance for loan losses | 2,083,000 | 2,227,000 | 2,362,000 | 2,561,000 |
| Securities available for sale | 6,612,000 | 6,268,000 | 6,209,000 | 5,038,000 |
| Securities held to maturity | 9,697,000 | 11,373,000 | 13,620,000 | 14,209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,098,000 | 128,204,000 | 129,022,000 | 132,238,000 |
| Interest-bearing deposits | 118,162,000 | 122,308,000 | 122,332,000 | 125,795,000 |
| Noninterest-bearing deposits | 5,937,000 | 5,896,000 | 6,690,000 | 6,444,000 |
| Equity capital | 13,521,000 | 14,279,000 | 15,338,000 | 16,103,000 |
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 | 3,191,000 | 6,423,000 | 9,872,000 | 13,521,000 |
| Interest expense | 808,000 | 1,651,000 | 2,592,000 | 3,682,000 |
| Net interest income | 2,383,000 | 4,772,000 | 7,280,000 | 9,839,000 |
| Noninterest income | 186,000 | 366,000 | 605,000 | 843,000 |
| Noninterest expense | 857,000 | 1,743,000 | 2,739,000 | 3,658,000 |
| Provision for loan losses | 233,000 | 456,000 | 686,000 | 1,004,000 |
| Pretax income | 1,479,000 | 2,939,000 | 4,460,000 | 5,703,000 |
| Income tax | 594,000 | 1,150,000 | 1,714,000 | 2,170,000 |
| Net income | 885,000 | 1,789,000 | 2,746,000 | 3,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,388,000 | 14,292,000 | 15,248,000 | 16,036,000 |
| Total capital | 14,816,000 | 15,841,000 | 16,882,000 | 17,804,000 |
| Risk-weighted assets | 113,570,000 | 123,252,000 | 129,994,000 | 140,663,000 |