Call reports 2009
EVABANK — 2009
What EVABANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 434,000,000 | 431,662,000 | 426,992,000 | 414,964,000 |
| Total loans | 326,445,000 | 323,941,000 | 318,827,000 | 304,314,000 |
| Allowance for loan losses | 5,546,000 | 5,607,000 | 5,652,000 | 8,830,000 |
| Securities available for sale | 33,273,000 | 34,608,000 | 44,293,000 | 34,951,000 |
| Securities held to maturity | 23,361,000 | 22,750,000 | 18,972,000 | 18,620,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,863,000 | 352,775,000 | 356,360,000 | 359,823,000 |
| Interest-bearing deposits | 342,494,000 | 342,995,000 | 345,317,000 | 348,641,000 |
| Noninterest-bearing deposits | 10,369,000 | 9,780,000 | 11,043,000 | 11,182,000 |
| Equity capital | 30,082,000 | 27,666,000 | 28,570,000 | 18,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,212,000 | 14,593,000 | 21,896,000 | 28,744,000 |
| Interest expense | 3,509,000 | 6,975,000 | 10,047,000 | 12,936,000 |
| Net interest income | 3,703,000 | 7,618,000 | 11,849,000 | 15,808,000 |
| Noninterest income | -112,000 | -694,000 | -633,000 | -1,071,000 |
| Noninterest expense | 2,017,000 | 3,949,000 | 5,866,000 | 7,898,000 |
| Provision for loan losses | 1,233,000 | 1,809,000 | 4,059,000 | 17,593,000 |
| Pretax income | 354,000 | -1,255,000 | -4,143,000 | -17,322,000 |
| Income tax | 194,000 | 300,000 | -913,000 | -5,875,000 |
| Net income | 160,000 | -1,555,000 | -3,230,000 | -11,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,640,000 | 30,925,000 | 28,901,000 | 18,642,000 |
| Total capital | 36,526,000 | 34,700,000 | 32,493,000 | 22,074,000 |
| Risk-weighted assets | 309,223,000 | 300,184,000 | 288,701,000 | 269,161,000 |