EVANS BANCORP INC Income Statement

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Financial Statements

In millions of USD; shares in millions, except per-share amounts

	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021	FY2020 12 months to Dec 31, 2020
INTEREST INCOME
Loans
Interest bearing deposits at banks
Securities:
Taxable
Non-taxable
Total interest income
INTEREST EXPENSE
Deposits
Other borrowings
Subordinated debt
Total interest expense
NET INTEREST INCOME
PROVISION FOR CREDIT LOSSES
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES
NON-INTEREST INCOME
Deposit service charges
Insurance service and fees
Gain on loans sold
Gain on sale of other real estate owned
Loss on tax credit investment
Refundable NY state historic tax credit
Gain on sale of securities
Bank-owned life insurance
Loss on sale of securities
Interchange fee income
Gain on sale of insurance agency
Other
Total non-interest income
NON-INTEREST EXPENSE
Salaries and employee benefits
Occupancy
Advertising and public relations
Professional services
Technology and communications
Amortization expense
Merger-related expenses
FDIC insurance
Other
Total non-interest expense
INCOME BEFORE INCOME TAXES
INCOME TAX PROVISION
NET INCOME
Net income per common share-basic
Net income per common share-diluted
Weighted average number of common shares outstanding
Weighted average number of diluted shares outstanding

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