Call reports 2005
EVABANK — 2005
What EVABANK 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 | 197,788,000 | 218,258,000 | 242,522,000 | 255,748,000 |
| Total loans | 171,253,000 | 190,486,000 | 213,009,000 | 224,889,000 |
| Allowance for loan losses | 2,569,000 | 2,857,000 | 3,195,000 | 3,373,000 |
| Securities available for sale | 4,103,000 | 4,776,000 | 5,501,000 | 6,489,000 |
| Securities held to maturity | 11,267,000 | 11,211,000 | 10,772,000 | 10,630,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,271,000 | 150,000,000 | 167,983,000 | 187,043,000 |
| Interest-bearing deposits | 133,082,000 | 142,921,000 | 159,797,000 | 178,247,000 |
| Noninterest-bearing deposits | 6,189,000 | 7,079,000 | 8,186,000 | 8,797,000 |
| Equity capital | 17,057,000 | 18,109,000 | 19,067,000 | 20,170,000 |
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 | 3,700,000 | 7,821,000 | 12,550,000 | 17,756,000 |
| Interest expense | 1,178,000 | 2,574,000 | 4,393,000 | 6,438,000 |
| Net interest income | 2,522,000 | 5,247,000 | 8,157,000 | 11,318,000 |
| Noninterest income | 247,000 | 569,000 | 946,000 | 1,322,000 |
| Noninterest expense | 1,076,000 | 2,115,000 | 3,348,000 | 4,554,000 |
| Provision for loan losses | 90,000 | 457,000 | 958,000 | 1,798,000 |
| Pretax income | 1,603,000 | 3,244,000 | 4,797,000 | 6,288,000 |
| Income tax | 646,000 | 1,282,000 | 1,877,000 | 2,209,000 |
| Net income | 957,000 | 1,962,000 | 2,920,000 | 4,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,993,000 | 17,998,000 | 18,957,000 | 20,116,000 |
| Total capital | 18,785,000 | 19,998,000 | 21,176,000 | 22,427,000 |
| Risk-weighted assets | 142,558,000 | 159,157,000 | 176,556,000 | 183,784,000 |