Evans Bancorp, Inc. (EVBN)

Evans Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	128.08	23.47	23.05	244.79	97.6	38.86
Investment Securities	104.14	104.33	169.45	106.23	79.83	35.11
Mortgage-Backed Securities	171.47	173.41	201.82	202.9	86.77	96.42
Total Investments	275.61	277.74	371.28	309.12	166.6	131.53
Gross Loans	1,789	1,722	1,673	1,573	1,699	1,227
Allowance for Loan Losses	-23.09	-22.11	-19.44	-18.44	-20.42	-15.18
Other Adjustments to Gross Loans	-1.19	-0.86	-0.55	-1.07	-5	-
Net Loans	1,765	1,699	1,653	1,553	1,673	1,211
Property, Plant & Equipment	18.53	19.18	21.39	22.62	24.59	17.47
Goodwill	1.77	1.77	12.7	12.7	12.71	10.52
Other Intangible Assets	0.08	0.09	1.23	1.63	2.24	2.03
Accrued Interest Receivable	-	-	-	-	-	4.61
Other Receivables	-	-	-	-	-	4.08
Other Current Assets	-	-	-	-	-	1.37
Long-Term Deferred Tax Assets	-	22.08	22.85	7.87	12.04	3.96
Other Long-Term Assets	86.68	60.59	62.64	55.4	51.49	32.87
Total Assets	2,280	2,109	2,179	2,211	2,044	1,460
Accounts Payable	-	-	-	-	-	5.21
Interest Bearing Deposits	1,465	1,254	1,237	1,419	1,292	945.72
Institutional Deposits	-	74.6	40.7	25.3	43.6	58
Non-Interest Bearing Deposits	435.36	390.24	493.71	492.86	436.16	263.72
Total Deposits	1,901	1,719	1,772	1,937	1,771	1,267
Short-Term Borrowings	96.28	148.48	180.35	4.11	4.09	2.43
Current Portion of Long-Term Debt	-	6.08	-	-	-	10
Current Portion of Leases	-	0.97	-	-	-	-
Current Income Taxes Payable	-	-	-	-	-	1.66
Accrued Interest Payable	-	-	-	-	-	0.68
Other Current Liabilities	-	-	-	-	-	0.44
Long-Term Debt	19.95	19.92	20.03	20.41	20.27	-
Federal Home Loan Bank Debt, Long-Term	40	-	19.55	32.15	44.01	-
Long-Term Leases	4.31	3.09	4.72	5.21	5.69	4.15
Trust Preferred Securities	11.3	11.3	11.3	11.3	11.3	11.33
Pension & Post-Retirement Benefits	-	-	-	-	-	8.31
Other Long-Term Liabilities	21.59	21.85	16.89	16.54	18.44	0.14
Total Liabilities	2,094	1,930	2,025	2,027	1,875	1,312
Common Stock	2.81	2.8	2.78	2.74	2.71	2.47
Additional Paid-In Capital	83.01	82.71	81.03	78.8	76.39	63.3
Retained Earnings	139.3	138.63	123.36	108.02	90.52	85.27
Treasury Stock	-2.58	-3.66	-3.89	-	-	-
Comprehensive Income & Other	-36.69	-42.27	-49.28	-5.67	-0.72	-2.58
Shareholders' Equity	185.85	178.22	153.99	183.89	168.91	148.45
Total Liabilities & Equity	2,280	2,109	2,179	2,211	2,044	1,460
Total Debt	171.85	189.84	235.95	73.18	85.36	27.91
Net Cash (Debt)	-43.77	-166.37	-212.89	171.61	12.25	10.95
Net Cash Growth	-	-	-	1301.24%	11.87%	-29.11%
Net Cash Per Share	-7.95	-30.41	-38.45	31.19	2.32	2.20
Filing Date Shares Outstanding	5.48	5.45	5.4	5.45	5.39	4.9
Total Common Shares Outstanding	5.48	5.44	5.39	5.44	5.37	4.89
Book Value Per Share	33.93	32.75	28.59	33.79	31.46	30.36
Tangible Book Value	184	176.36	140.06	169.56	153.95	135.91
Tangible Book Value Per Share	33.59	32.40	26.00	31.16	28.68	27.80

Source: S&P Capital IQ. Banks template. Financial Sources.