Call reports 2006
EVABANK — 2006
What EVABANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 268,045,000 | 282,352,000 | 298,720,000 | 307,746,000 |
| Total loans | 236,118,000 | 249,753,000 | 264,371,000 | 268,397,000 |
| Allowance for loan losses | 3,542,000 | 3,748,000 | 3,966,000 | 4,027,000 |
| Securities available for sale | 6,415,000 | 6,772,000 | 9,759,000 | 9,454,000 |
| Securities held to maturity | 10,438,000 | 10,307,000 | 10,171,000 | 10,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,727,000 | 212,283,000 | 227,586,000 | 235,232,000 |
| Interest-bearing deposits | 191,183,000 | 202,651,000 | 218,249,000 | 225,031,000 |
| Noninterest-bearing deposits | 9,544,000 | 9,632,000 | 9,336,000 | 10,201,000 |
| Equity capital | 21,282,000 | 22,590,000 | 24,103,000 | 26,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,524,000 | 11,446,000 | 17,987,000 | 24,745,000 |
| Interest expense | 2,270,000 | 4,774,000 | 7,620,000 | 10,702,000 |
| Net interest income | 3,254,000 | 6,672,000 | 10,367,000 | 14,043,000 |
| Noninterest income | 474,000 | 1,076,000 | 1,677,000 | 2,524,000 |
| Noninterest expense | 1,389,000 | 2,920,000 | 4,616,000 | 6,280,000 |
| Provision for loan losses | 521,000 | 764,000 | 1,066,000 | 1,651,000 |
| Pretax income | 1,818,000 | 4,064,000 | 6,362,000 | 8,636,000 |
| Income tax | 693,000 | 1,592,000 | 2,466,000 | 2,993,000 |
| Net income | 1,125,000 | 2,472,000 | 3,896,000 | 5,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,241,000 | 22,590,000 | 24,011,000 | 26,620,000 |
| Total capital | 23,665,000 | 25,197,000 | 26,799,000 | 29,463,000 |
| Risk-weighted assets | 192,812,000 | 207,439,000 | 221,841,000 | 226,253,000 |