Call reports 2016
EVABANK — 2016
What EVABANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 358,327,000 | 366,454,000 | 392,318,000 | 382,963,000 |
| Total loans | 274,099,000 | 281,579,000 | 282,980,000 | 285,367,000 |
| Allowance for loan losses | 4,978,000 | 5,165,000 | 5,171,000 | 5,415,000 |
| Securities available for sale | 62,810,000 | 68,030,000 | 67,807,000 | 63,462,000 |
| Securities held to maturity | 2,592,000 | 2,552,000 | 1,116,000 | 1,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,877,000 | 269,740,000 | 293,891,000 | 289,526,000 |
| Interest-bearing deposits | 253,690,000 | 253,261,000 | 277,951,000 | 274,635,000 |
| Noninterest-bearing deposits | 16,187,000 | 16,479,000 | 15,940,000 | 14,891,000 |
| Equity capital | 63,099,000 | 68,011,000 | 70,240,000 | 68,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,988,000 | 12,313,000 | 19,093,000 | 25,576,000 |
| Interest expense | 947,000 | 1,911,000 | 2,955,000 | 4,016,000 |
| Net interest income | 5,041,000 | 10,402,000 | 16,138,000 | 21,560,000 |
| Noninterest income | 1,137,000 | 1,788,000 | 2,260,000 | 2,553,000 |
| Noninterest expense | 2,430,000 | 4,707,000 | 7,133,000 | 9,211,000 |
| Provision for loan losses | 338,000 | 665,000 | 1,075,000 | 1,726,000 |
| Pretax income | 3,439,000 | 6,872,000 | 10,273,000 | 13,286,000 |
| Income tax | 1,151,000 | 2,127,000 | 3,201,000 | 4,246,000 |
| Net income | 2,288,000 | 4,745,000 | 7,072,000 | 9,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,666,000 | 61,124,000 | 63,451,000 | 65,420,000 |
| Total capital | 61,557,000 | 64,095,000 | 66,568,000 | 68,541,000 |
| Risk-weighted assets | 229,231,000 | 235,551,000 | 247,377,000 | 247,396,000 |