Evans Bank, National Association

Evans Bank, National Association is headquartered in Angola and is the 52^nd largest bank in the state of New York. It is also the 833^rd largest bank in the nation. It was established in 1920 and as of December of 2012, it had grown to 185 employees at 15 locations. Evans Bank, National Association has a 5-star health rating.

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Data for Q4 2012

Institution Statistics Evans Bank, National Association FDIC Certificate # 6947 BankRate Report View Year Established 1920 Employees 185 Primary Regulator OCC Assets and Liabilities Assets $799.61 million Loans $573.16 million Deposits $683.40 million Equity Capital $73.14 million Loan Loss Allowance $9.73 million Unbacked Noncurrent Loans $6.28 million Historic Data - December 2011 Assets $730.89 million Equity Capital $68.43 million Loan Loss Allowance $11.50 million Unbacked Noncurrent Loans $12.65 million Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 0.9% Return on Equity 9.81% Interest Income $33.38 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Evans Bank, National Association had $6.28 million in non-current loans and owned real-estate with $82.87 million in equity and loan loss allowances on hand to cover it. This gives Evans Bank, National Association a Texas Ratio of 7.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Evans Bank, National Association decreased significantly from 15.57% as of December 31, 2011 to 7.57% as of December 31, 2012, resulting in a positive change of 51.37%.This indicates that the balance sheet and financial strength for Evans Bank, National Association has improved significantly in recent periods. Deposit Growth In the past year, Evans Bank, National Association has increased its total deposits by $64.65 million, resulting in 10.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Evans Bank, National Association has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Evans Bank, National Association has $799.61 million in assets with $82.87 million in equity, resulting in a capitalization level of 10.36%, which is above average.

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