EVANS BANCORP, INC. (NYSE MKT - EVBN)
2009 Y 2010 Y 2011 Y 2012 Y 2013 Q1 YTD Source Document 12/31/2011 12/31/2012 12/31/2012 12/31/2012 3/31/2013 Currency Code USD USD USD USD USD (in thousands) Loans and leases 27,416 28,102 29,140 30,300 7,252 Interest bearing deposits at banks 1 9 26 53 18 Securities Taxable 1,608 1,740 2,115 1,871 417 Non-taxable 1,676 1,566 1,434 1,153 269 Total interest income 30,701 31,417 32,715 33,377 7,956 Deposits 6,844 5,660 5,621 4,546 890 Other borrowings 864 929 775 703 161 Junior subordinated debentures 399 333 331 348 79 Total interest expense 8,107 6,922 6,727 5,597 1,130 NET INTEREST INCOME 22,594 24,495 25,988 27,780 6,826 PROVISION FOR LOAN AND LEASE LOSSES 10,500 3,943 2,484 (68) 450 NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES 12,094 20,552 23,504 27,848 6,376 Bank charges 2,260 1,897 1,783 1,858 482 Insurance service and fees 7,191 6,992 6,902 6,966 1,999 Data center income 849 845 678 456 114 Net gain on sales and calls of securities 18 7 26 0 NA Gain on loans sold 93 152 188 464 25 Bank-owned life insurance 578 468 454 489 113 Interchange fee income 625 783 887 944 NA Gain on bargain purchase 671 NA NA NA NA Other 1,782 1,489 1,514 1,646 577 Total non-interest income 14,067 12,633 12,432 12,823 3,310 Salaries and employee benefits 12,751 14,821 15,820 17,304 4,289 Occupancy 2,765 2,940 3,119 2,785 816 Repairs and maintenance 721 674 689 769 178 Advertising and public relations 575 627 812 814 124 Professional services 1,484 1,533 1,776 1,925 454 Technology and communications 1,065 1,026 984 1,197 291 Amortization of intangibles 930 900 490 349 63 FDIC insurance 941 1,023 652 521 138 Goodwill impairment 1,985 NA NA NA NA Other 2,840 2,563 2,899 3,128 723 Total non-interest expense 26,057 26,107 27,241 28,792 7,076 INCOME BEFORE INCOME TAXES 104 7,078 8,695 11,879 2,610 INCOME TAX PROVISION (603) 2,238 2,583 3,747 794 NET INCOME 707 4,840 6,112 8,132 1,816 Net income per common share-basic 0.25 1.34 1.49 1.96 0.44 Net income per common share-diluted 0.25 1.34 1.49 1.95 0.43 Cash dividends per common share 0.61 0.4 0.4 0.68 0 Weighted average number of common shares outstanding 2,788,507 3,613,746 4,102,142 4,144,322 4,173,978 Weighted average number of diluted shares outstanding 2,793,612 3,616,551 4,104,533 4,159,690 4,210,595 NET INCOME NA 4,840 6,112 8,132 1,816 OTHER COMPREHENSIVE INCOME (LOSS), NET OF TAX Unrealized loss on available-for-sale securities NA (177) 1,737 (77) (261) reclassification of gain on sale of securities NA 4 16 0 NA Total NA (181) 1,721 (77) NA Defined benefit pension plans Amortization of prior service cost NA 53 54 53 10 Amortization of actuarial loss NA 23 23 105 27 Increase in pension liability NA (260) (979) (326) NA Total NA (184) (902) (168) 37 OTHER COMPREHENSIVE LOSS, NET OF TAX NA (365) 819 (245) (224) COMPREHENSIVE INCOME NA 4,475 6,931 7,887 1,592
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