Call reports 2013
EVABANK — 2013
What EVABANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 337,196,000 | 323,159,000 | 321,226,000 | 323,275,000 |
| Total loans | 258,231,000 | 256,972,000 | 255,343,000 | 257,359,000 |
| Allowance for loan losses | 4,359,000 | 4,201,000 | 4,226,000 | 4,328,000 |
| Securities available for sale | 38,694,000 | 36,692,000 | 38,476,000 | 43,801,000 |
| Securities held to maturity | 7,056,000 | 6,493,000 | 6,388,000 | 6,338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,845,000 | 270,742,000 | 266,382,000 | 266,001,000 |
| Interest-bearing deposits | 269,658,000 | 255,640,000 | 252,756,000 | 253,025,000 |
| Noninterest-bearing deposits | 15,187,000 | 15,102,000 | 13,626,000 | 12,976,000 |
| Equity capital | 33,735,000 | 35,222,000 | 36,598,000 | 37,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,832,000 | 11,831,000 | 18,244,000 | 24,265,000 |
| Interest expense | 924,000 | 1,781,000 | 2,568,000 | 3,312,000 |
| Net interest income | 4,908,000 | 10,050,000 | 15,676,000 | 20,953,000 |
| Noninterest income | 425,000 | 1,874,000 | 2,358,000 | 2,660,000 |
| Noninterest expense | 2,383,000 | 4,771,000 | 7,280,000 | 10,137,000 |
| Provision for loan losses | 0 | 61,000 | 501,000 | 1,464,000 |
| Pretax income | 2,960,000 | 7,033,000 | 10,102,000 | 11,786,000 |
| Income tax | 1,030,000 | 2,447,000 | 3,580,000 | 3,927,000 |
| Net income | 1,930,000 | 4,586,000 | 6,522,000 | 7,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,600,000 | 35,255,000 | 37,193,000 | 38,528,000 |
| Total capital | 35,533,000 | 38,083,000 | 39,915,000 | 41,377,000 |
| Risk-weighted assets | 233,230,000 | 224,845,000 | 216,273,000 | 226,441,000 |