Call reports 2008
EVABANK — 2008
What EVABANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 398,652,000 | 407,504,000 | 419,554,000 | 418,020,000 |
| Total loans | 340,749,000 | 349,653,000 | 354,991,000 | 336,430,000 |
| Allowance for loan losses | 6,226,000 | 8,226,000 | 9,639,000 | 5,102,000 |
| Securities available for sale | 24,418,000 | 22,357,000 | 22,693,000 | 29,494,000 |
| Securities held to maturity | 13,314,000 | 17,777,000 | 18,748,000 | 21,892,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,306,000 | 319,855,000 | 326,963,000 | 329,353,000 |
| Interest-bearing deposits | 295,690,000 | 308,564,000 | 316,419,000 | 318,373,000 |
| Noninterest-bearing deposits | 11,617,000 | 11,291,000 | 10,544,000 | 10,979,000 |
| Equity capital | 34,023,000 | 34,511,000 | 34,104,000 | 30,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,974,000 | 15,867,000 | 23,398,000 | 31,452,000 |
| Interest expense | 3,551,000 | 6,957,000 | 10,445,000 | 13,971,000 |
| Net interest income | 4,423,000 | 8,910,000 | 12,953,000 | 17,481,000 |
| Noninterest income | 681,000 | 1,378,000 | 2,001,000 | 1,831,000 |
| Noninterest expense | 1,611,000 | 3,337,000 | 4,940,000 | 6,535,000 |
| Provision for loan losses | 1,062,000 | 3,402,000 | 6,378,000 | 12,876,000 |
| Pretax income | 2,443,000 | 3,470,000 | 3,568,000 | -865,000 |
| Income tax | 735,000 | 949,000 | 941,000 | -647,000 |
| Net income | 1,708,000 | 2,521,000 | 2,627,000 | -218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,405,000 | 35,218,000 | 35,325,000 | 32,480,000 |
| Total capital | 38,287,000 | 39,222,000 | 39,401,000 | 36,419,000 |
| Risk-weighted assets | 308,249,000 | 316,093,000 | 320,495,000 | 313,980,000 |