Evans Bancorp, Inc. operates as the holding company for Evans National Bank, which provides various banking services to consumer and commercial customers in western New York. The bank offers checking, passbook, statement savings, and NOW accounts, as well as certificates of deposit and jumbo certificates of deposit. It also provides residential and commercial real estate mortgage loans, commercial loans, and installment loans. The bank invests in U.S. Government obligations, obligations of federal agencies, U.S. government-sponsored enterprises, mortgage backed securities, municipal obligations, industrial development authority bonds, public housing authority bonds, corporate bonds, and collateral mortgage obligations. The company, through its other subsidiaries, provides nondeposit investment products, such as annuities and mutual funds; direct financing to the commercial small ticket lease equipment market; insurance products; and claims adjusting services to various insurance companies. As of December 31, 2004, the bank had 10 banking offices in Erie and Chautauqua counties, New York. Evans Bancorp is headquartered in Angola, New York.
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