Evans Bank, National Association in Angola, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Evans Bank, National Association - Overview

  • General
  • FDIC Certificate #: 6947
    Status: Active
    Federal Reserve ID: 292908
    Bank Holding Company (Regulatory Top Holder): Evans Bancorp, Inc. (RSSDID: 1401190, Location: Angola, NY)
    Date Established: January 01, 1920
    WWW: http://www.evansbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 13454
    FDIC's unique #: 4662
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 24, 2009
    Last Structure Change Process Date: July 27, 2009
    Last Data Update: July 27, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 14-16 North Main Street, Angola, NY 14006
    County: Erie
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Syracuse
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Buffalo-Niagara Falls, NY (#1280)
    Combined Statistical Area (CSA): Buffalo-Niagara-Cattaraugus, NY (#160)
    Core Based Statistical Area (CBSA): Buffalo-Niagara Falls, NY (#15380)
    CBSA Metro Statistical Area: Buffalo-Niagara Falls, NY (#15380)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
    Corrections
  • Financial Summary
  • Total assets: $730.9 mil
    Equity capital: $68.4 mil
    Deposits held in domestic offices: $618.8 mil
    Return on assets (ROA): 0.75% ($5.5 mil)
    Quarterly return on assets: 0.72% ($5.3 mil)
    Return on Equity (ROE): 7.96% ($5.4 mil)
    Quarterly return on equity: 7.73% ($5.3 mil)
    Net income: $5.3 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 1.04% ($7,601.3 mil)
    Quarterly Pretax return on assets: 0.99% ($7,235.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 242Total employees (full-time equivalent)
  • $730,893Total assets
  • $14,541Cash and due from depository institutions
  • $3,192Interest-bearing balances
  • $103,783Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $571,910Net loans & leases
  • $11,495Loan loss allowance
  • $0Trading account assets
  • $9,869Bank premises and fixed assets
  • $0Other real estate owned
  • $407Goodwill and other intangibles
  • $730,893Life insurance assets
  • $30,383All other assets
  • $662,463Total liabilities and capital
  • $618,756Total liabilities
  • $497,995Total deposits
  • $618,756Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 9010.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,000Trading liabilities
  • $0Other borrowed funds
  • $12,697Subordinated debt
  • $68,430All other liabilities
  • $68,430Total equity capital
  • $68,430Total bank equity capital
  • $0Perpetual preferred stock
  • $2,033Common stock
  • $45,772Surplus
  • $20,625Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,594Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,178Income earned, not collected on loans
  • $0Earning assets
  • $2,536Long-term assets (5+ years)
  • $678,885Average Assets, year-to-date
  • $192,231Average Assets, quarterly
  • $699,028Volatile liabilities
  • $726,774Insider loans
  • $556,054FHLB advances
  • $732,237Loans and leases held for sale
  • $14,843Unused loan commitments
  • $14,843Tier 1 (core) risk-based capital
  • $68,043Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $134,095Restructured Loans and leases
  • $12,187Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $32,715Total interest income
  • $6,607Total interest expense
  • $26,108Net interest income
  • $2,484Provision for loan and lease losses
  • $5,504Total noninterest income
  • $0Fiduciary activities
  • $1,783Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,721Additional noninterest income
  • $21,859Total noninterest expense
  • $12,503Salaries and employee benefits
  • $3,012Premises and equipment expense
  • $6,344Additional noninterest expense
  • $7,269Pre-tax net operating income
  • $26Securities gains (losses)
  • $2,043Applicable income taxes
  • $5,252Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,252Net income attributable to bank
  • $0Net charge-offs
  • $5,252Cash dividends
  • $1,413Sale, conversion, retirement of capital stock, net
  • $1,642Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.06%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.38%Noninterest expense to earning assets
  • 0.75%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 7.96%Return on equity (ROE)
  • 5.47%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 175.80%Credit loss provision to net charge-offs
  • 6.90%Efficiency ratio
  • 69,148Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.26%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 75.73%Noncurrent assets plus other real estate owned to assets
  • 2.08%Noncurrent loans to loans
  • 2.60%Net loans and leases to deposits
  • 92.43%Net loans and leases to core deposits
  • 94.41%Equity capital to assets
  • 9.36%Core capital (leverage) ratio
  • 9.29%Tier 1 risk-based capital ratio
  • 12.24%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $699,028Average earning assets
  • $65,940Average equity
  • $646,689Average loans

List of branches

  • 14 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04662Evans Bank, National Association14-16 North Main Street, Angola, NY 14006January 01, 1920Full Service Brick and Mortar
    1213181Highland-Derby Branch6840 Erie Road, Derby, NY 14047June 12, 1969Full Service Brick and Mortar
    2213182Forestville Branch25 Main Street, Forestville, NY 14062April 28, 1977Full Service Brick and Mortar
    3230088North Boston Branch7205 Boston State Road, Boston, NY 14025March 17, 1975Full Service Brick and Mortar
    4213183Evans Branch8599 Erie Road, Angola, NY 14006May 06, 1996Full Service Brick and Mortar
    5213184Hamburg Branch5999 South Park Ave, Hamburg, NY 14075October 10, 1995Full Service Brick and Mortar
    6213185West Seneca Branch938 Union Road, West Seneca, NY 14224Febuary 01, 1999Full Service Brick and Mortar
    7419728Amherst Office Branch3388 Sheridan Drive, Amherst, NY 14226December 02, 2002Full Service Brick and Mortar
    8424762Lancaster BranchGateway Center, 4979 Transit Road, Depew, NY 14043January 05, 2004Full Service Brick and Mortar
    9432671Administrative Office1 Grimsby Drive, Hamburg, NY 14075September 20, 2004Limited Service Administrative
    10438788North Buffalo Branch2670 Delaware Avenue, Buffalo, NY 14216January 31, 2005Full Service Brick and Mortar
    11458778Tonawanda Office Branch2800 Niagara Falls Boulevard, Tonawanda, NY 14150December 11, 2006Full Service Brick and Mortar
    12492750Elmwood Village Branch925 Elmwood Ave, Buffalo, NY 14222August 21, 2008Full Service Brick and Mortar
    13438760Waterford Village Bank Branch8411 Main Street, Williamsville, NY 14221Febuary 26, 2007Full Service Brick and Mortar

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