Evans Bank :: Investor Relations :: Financial Highlights

Investor Relations

You Are Here:
Home >
Investor Relations >
Financial Highlights

email this

PDF view

Print view

Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.

Balance Sheet ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	479,067	384,518	24.59	383,837	99.24
Loans Held for Sale, before Reserves	NA	0	NA	40,920	NA
Loan Loss Reserve	6,063	5,091	19.09	5,579	34.70
Net Loans Receivable	473,004	379,427	24.66	419,178	51.36
Intangible Assets	10,363	12,488	(17.02)	10,585	(8.39)
Total Assets	613,557	502,762	22.04	552,823	43.94
Deposits	502,765	403,516	24.60	451,253	45.66
Debt, Senior and Subordinated	54,574	40,603	34.41	49,494	41.06
Common Equity	44,969	45,547	(1.27)	42,159	26.66
Total Shareholders' Equity	44,969	45,547	(1.27)	42,159	26.66
Shares Outstanding (actual)	2,795,198	2,755,274	1.45	2,795,198	0.00

Income Statement ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Net Interest Income	5,968	5,134	16.24	5,345	46.62
Provision for Loan Losses	634	582	8.93	5,635	(355.00)
Noninterest Income	3,148	2,915	7.99	3,374	(26.79)
Noninterest Expense	5,796	5,254	10.32	5,838	(2.88)
Net Income Before Taxes	3,367	2,213	52.15	(2,998)	NM
Provision for Taxes	931	788	18.15	(1,145)	NM
Net Income	2,436	1,425	70.95	(1,853)	NM

Per Share Items ($)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Book Value per Share	16.09	16.53	(2.66)	15.08	26.79
Tangible Book Value	12.38	12.00	3.20	11.29	38.54
Diluted EPS Before Extra	0.87	0.52	67.31	(0.67)	NM
Diluted EPS After Extra	0.87	0.52	67.31	(0.67)	NM
Dividends Declared	0.2000	0.4100	(51.22)	0.0000	NM

Performance Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
ROAA	1.64	1.16	48	(1.34)	298
ROAE	22.45	12.32	1,013	(16.60)	3,905
Net Interest Margin	4.43	4.67	(24)	4.25	18
Loans / Deposits	95.29	95.29	(1)	85.06	1,023
Efficiency Ratio	56.95	63.15	(620)	67.27	(1,032)

Balance Sheet Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	5.74	6.74	(101)	5.82	(9)
Equity/ Assets	7.33	9.06	(173)	7.63	(30)

Asset Quality Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Nonperforming Assets/ Assets	NA	0.15	NA	0.87	NA
Loan Loss Reserves/ Gross Loans	1.27	1.32	(6)	1.31	(5)
Loan Loss Reserves/ NPAs	NA	687.04	NA	116.25	NA
Net Charge-offs/ Avg Loans	0.13	0.59	(46)	7.36	(723)

Regulatory Capital Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tier 1 Capital Ratio	9.71	11.19	(148)	9.66	5

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

*	Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Copyright 2009, © SNL Financial LC Terms of Use