Evans Bank

One Grimsby Drive
Hamburg, NY 14075
1-866-310-0763
www.evansbank.com

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Evans Bank is headquartered in Burley and is the 3^rd largest bank in the state of Idaho. It is also the 709^th largest bank in the nation. It was established in 1904 and as of September of 2011, it had grown to 256 employees at 22 locations. Evans Bank's money market rates are 14% higher than the national average, and it has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Evans Bank Checking Account Rates

Apy	Min	Max	Product
2.25%	-	$20k	Better Checking
0.20%	-	-	SimplyNOW Checking

Evans Bank Savings Account Rates

Apy	Min	Max	Product
0.20%	-	-	Junior Statement Saver
0.15%	$100	-	Statement Savings

Evans Bank Money Market Rates

Apy	Min	Max	Product
0.80%	$250k	-	Premium Business Money Market Account
0.60%	$250k	-	Premium Money Market Account

Evans Bank CD Rates

Apy	Min	Max	Product
1.30%	$500	-	5 Year CD
1.00%	$500	-	4 Year CD
0.75%	$500	-	3 Year CD
0.70%	$500	-	2 1/2 Year CD
0.65%	$500	-	2 Year CD
0.55%	$500	-	1 1/2 Year CD
0.50%	$500	-	9 Month CD
0.50%	$500	-	1 Year CD
0.50%	$500	-	13 Month CD
0.50%	$500	-	15 Month CD
0.45%	$500	-	7 Month CD
0.25%	$500	-	6 Month CD
0.10%	$500	-	91 Day CD

Evans Bank IRA Rates

Apy	Min	Max	Product
1.30%	$500	-	60 Month Fixed Rate CESA
1.30%	$500	-	60 Month Fixed Rate IRA
1.30%	$500	-	60 Month Fixed Rate Roth IRA
0.75%	$500	-	36 Month Fixed Rate IRA
0.75%	$500	-	36 Month Fixed Rate Roth IRA
0.75%	$500	-	36 Month Fixed Rate CESA
0.55%	$500	-	18 Month Fixed Rate IRA
0.55%	$500	-	18 Month Fixed Rate Roth IRA
0.55%	$500	-	18 Month Fixed Rate CESA
0.45%	$100k	-	18 Month Variable Rate IRA
0.45%	$100k	-	18 Month Variable Rate Roth IRA
0.45%	$100k	-	18 Month Variable Rate CESA
0.20%	$500	-	30 Day Fixed Rate IRA
0.20%	$500	-	30 Day Fixed Rate Roth IRA
0.20%	$500	-	30 Day Fixed Rate CESA

Rates updated: 2/10/2012

Data for Q3 2011

Evans Bank consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

11666 - D. L. Evans Bank
6947 - Evans Bank, National Association

Institution Statistics

D. L. Evans Bank
FDIC Certificate #	11666
BankRate Report	View
Year Established	1904
Employees	256
Primary Regulator	FDIC
Assets and Liabilities
Assets	$938.44 million
Loans	$550.54 million
Deposits	$765.63 million
Equity Capital	$97.14 million
Loan Loss Allowance	$14.26 million
Unbacked Noncurrent Loans	$11.76 million
Real Estate Owned	$16.71 million
Historic Data - September 2010
Assets	$935.17 million
Equity Capital	$82.55 million
Loan Loss Allowance	$12.90 million
Unbacked Noncurrent Loans	$16.63 million
Real Estate Owned	$18.43 million
Profit Margin - Quarterly
Net Interest Margin	3.87%
Return on Assets	0.75%
Return on Equity	8.2%
Interest Income	$32.81 million

Institution Health

Overall Score:

4 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 September 30, 2011 Evans Bank had $28.47 million in non-current loans and owned real-estate with $111.4 million in equity and loan loss allowances on hand to cover it. This gives Evans Bank a Texas Ratio of 25.56% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Evans Bank decreased slightly from 38.55% as of September 30, 2010 to 25.56% as of September 30, 2011, resulting in a positive change of 33.71%.This indicates that the balance sheet and financial strength for Evans Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Evans Bank has decreased its total deposits by -$1.89 million, resulting in -0.25% 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 has shown is average.
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 has $938.44 million in assets with $111.4 million in equity, resulting in a capitalization level of 11.87%, which is above average.

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