Call reports 2007
EVABANK — 2007
What EVABANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 328,466,000 | 337,339,000 | 359,697,000 | 385,414,000 |
| Total loans | 286,929,000 | 303,063,000 | 316,665,000 | 335,109,000 |
| Allowance for loan losses | 4,304,000 | 5,059,000 | 5,711,000 | 5,324,000 |
| Securities available for sale | 9,465,000 | 9,338,000 | 11,339,000 | 22,759,000 |
| Securities held to maturity | 9,907,000 | 9,787,000 | 9,700,000 | 9,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,228,000 | 255,462,000 | 277,139,000 | 300,437,000 |
| Interest-bearing deposits | 237,789,000 | 245,202,000 | 266,815,000 | 290,359,000 |
| Noninterest-bearing deposits | 10,440,000 | 10,260,000 | 10,324,000 | 10,078,000 |
| Equity capital | 28,298,000 | 29,778,000 | 31,046,000 | 32,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,969,000 | 14,236,000 | 21,814,000 | 29,926,000 |
| Interest expense | 3,285,000 | 6,568,000 | 10,027,000 | 13,651,000 |
| Net interest income | 3,684,000 | 7,668,000 | 11,787,000 | 16,275,000 |
| Noninterest income | 703,000 | 1,563,000 | 2,383,000 | 3,182,000 |
| Noninterest expense | 1,677,000 | 3,283,000 | 5,082,000 | 6,837,000 |
| Provision for loan losses | 356,000 | 1,253,000 | 2,213,000 | 3,501,000 |
| Pretax income | 2,354,000 | 4,695,000 | 6,887,000 | 9,142,000 |
| Income tax | 821,000 | 1,713,000 | 2,348,000 | 3,065,000 |
| Net income | 1,533,000 | 2,982,000 | 4,539,000 | 6,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,153,000 | 29,602,000 | 31,159,000 | 32,698,000 |
| Total capital | 31,296,000 | 32,986,000 | 34,645,000 | 36,501,000 |
| Risk-weighted assets | 250,295,000 | 269,076,000 | 276,653,000 | 302,740,000 |