Call reports 2015
EVABANK — 2015
What EVABANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 335,264,000 | 334,480,000 | 344,662,000 | 348,393,000 |
| Total loans | 253,356,000 | 260,540,000 | 266,481,000 | 266,829,000 |
| Allowance for loan losses | 4,519,000 | 4,800,000 | 5,062,000 | 5,006,000 |
| Securities available for sale | 57,614,000 | 54,944,000 | 56,940,000 | 59,590,000 |
| Securities held to maturity | 4,925,000 | 4,865,000 | 3,782,000 | 3,625,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,915,000 | 260,618,000 | 262,315,000 | 264,183,000 |
| Interest-bearing deposits | 244,480,000 | 245,155,000 | 246,142,000 | 248,639,000 |
| Noninterest-bearing deposits | 16,435,000 | 15,463,000 | 16,173,000 | 15,544,000 |
| Equity capital | 54,098,000 | 55,241,000 | 58,055,000 | 60,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,991,000 | 12,213,000 | 18,497,000 | 24,818,000 |
| Interest expense | 770,000 | 1,567,000 | 2,412,000 | 3,296,000 |
| Net interest income | 5,221,000 | 10,646,000 | 16,085,000 | 21,522,000 |
| Noninterest income | 646,000 | 2,018,000 | 2,902,000 | 3,592,000 |
| Noninterest expense | 2,424,000 | 4,977,000 | 7,392,000 | 9,667,000 |
| Provision for loan losses | 62,000 | 716,000 | 1,517,000 | 3,911,000 |
| Pretax income | 3,392,000 | 7,035,000 | 10,135,000 | 11,594,000 |
| Income tax | 1,142,000 | 2,155,000 | 3,163,000 | 3,613,000 |
| Net income | 2,250,000 | 4,880,000 | 6,972,000 | 7,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,649,000 | 53,278,000 | 55,372,000 | 56,380,000 |
| Total capital | 53,249,000 | 55,974,000 | 58,178,000 | 59,183,000 |
| Risk-weighted assets | 206,099,000 | 213,617,000 | 222,230,000 | 222,107,000 |