Evans Bancorp 8K Reports Net Income of $1.8 Million for the 2013 First Quarter | EVBN 26 Apr 13

NYSE MKT:

EVBN

2013 by Evans Bancorp

www.evansbank.com

Annual Meeting of Shareholders

April 25, 2013

Exhibit 99.2

NYSE MKT:

EVBN

2013 by Evans Bancorp

www.evansbank.com

John R. O’Brien

Chairman

NYSE MKT:

EVBN

2013 by Evans Bancorp

www.evansbank.com

David J. Nasca

President and CEO

2013 by Evans Bancorp

Safe Harbor Statement

This presentation includes "forward looking statements" within the meaning

of the Private Securities Litigation Reform Act of 1995. Such statements

include, but are not limited to, statements concerning future business,

revenue and earnings. These statements are not historical facts or

guarantees of future performance, events or results. There are risks,

uncertainties and other factors that could cause the actual results of the

Company to differ materially from the results expressed or implied by such

forward-looking statements. Information on factors that could affect the

Company's business and results is discussed in the Company's periodic

reports filed with the Securities and Exchange Commission. Forward looking

statements speak only as of the date they are made. The Company

undertakes no obligation to publicly update or revise forward looking

information, whether as a result of new, updated information, future events or

otherwise.

2013 by Evans Bancorp

2012 Highlights -

Record Year

(in millions)

Record results reflect past investments

Balanced lending

Expanded product set

Core deposit growth

Net Income

$4.9

$0.7

$4.8

$6.1

$8.1

2008

2009

2010

2011

2012

2013 by Evans Bancorp

Growing Shareholder Value

$12.39

$12.72

$13.18

$14.60

$15.92

$16.57

$16.34

$15.45

$16.72

$17.94

2008

2009

2010

2011

2012

Tangible Book Value Per Share

Book Value Per Share

2013 by Evans Bancorp

Returning Capital to Shareholders

Accelerated payment of semi-annual dividend in 2012 due to tax concerns

Increased semi-annual dividend rate to $0.24 per share

$0.78

$0.61

$0.40

$0.44

$0.24

2008

2009

2010

2011

2012

Dividends Paid

Accelerated Dividend Payment

2013 by Evans Bancorp

52%

Increase

share value thru

3/31/13

(through 3/31/2013)

Strong Market Performance

2012 stock price improved 44%

17%

27%

37%

47%

57%

Dec-11

Mar-12

Jun-12

Sep-12

Dec-12

Mar-13

EVBN

SNL Bank

High Performing Peers

Local

-3%

2013 by Evans Bancorp

2012 Highlights

Top 3 lender in the market –

generated over

$10 million for the third consecutive year

Launched mobile banking –

strong usage rates

2013 by Evans Bancorp

Focus on Efficiency –

Building Consolidation

2013 by Evans Bancorp

Pride in Our Community

2013 by Evans Bancorp

New Williamsville Branch

Northtowns Expansion

NYSE MKT:

EVBN

2013 by Evans Bancorp

www.evansbank.com

Gary A. Kajtoch

Executive Vice President and CFO

Financial Highlights

and Results

2013 by Evans Bancorp

Strong Performance

($ in millions)

Expanded asset base through organic loan growth and acquisition

Increased future earnings power potential

Assets expanded 83% since 2007

Asset growth of 53%

2013 by Evans Bancorp

$529.0

$619.4

$671.5

$740.9

$809.7

2008

2009

2010

2011

2012

2013 by Evans Bancorp

Core Banking: Loan Growth

Diversifying loan portfolio

High quality in-market commercial loans

Capturing strong credits from larger banks

($ in millions)

$349.1

$458.1

$512.5

$577.4

$581.3

2008

2009

2010

2011

2012

2013 by Evans Bancorp

As of December 31, 2012

Diverse Loan Portfolio

* Includes construction loans

Commercial Loans

Total Loan Portfolio

$582.9 million

Commercial Mortgages*

Home Equities

Residential Mortgages*

Commercial & Industrial

Other

Non

owner occupied CRE

Owner occupied CRE

C&I

Multi

family

Construction / Land Development

2013 by Evans Bancorp

Asset Quality

NPAs to Total Loan + OREO

* Peer data per SNL

EVBN (GAAP) Banks > $500 Million and < $1 Billion in Assets*

0.89%

2.65%

2.64%

2.60%

1.41%

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

2008

2009

2010

2011

2012

3.06%

6.00%

2013 by Evans Bancorp

Conservative Standards

Allowance for Loan Loss / Non-Accruals

Q4 2012

* Peer data per SNL

ENL

Evans National Leasing

WVB

Waterford Village Bank (FDIC assisted acquisition)

Allowance to

Loan Ratio

(as of 12/31/2012)

1.67%

** Allowance for ENL: $47 thousand; Allowance for WVB: $119 thousand

118.3%

154.1%

96.1%

EVBN (GAAP)

EVBN with ENL & WVB**

Banks <$1B*

2013 by Evans Bancorp

Low Cost Core Deposits

($ in millions)

13.4% increase since 2011 in regular savings, demand deposits and

NOW deposits

2012 deposit costs: 0.69%

2012 Deposit Composition:

$679.0 million

$404.0

$499.5

$544.5

$616.2

$679.0

2008

2009

2010

2011

2012

56.1%

16.0%

27.9%

Savings & Money Market

Time Deposits

Demand & NOW

2013 by Evans Bancorp

* Excludes $0.7 million gain on bargain purchase

Strong Revenue Growth

($ in millions)

Q4 2012 net interest margin 12 basis points above Banks <$1B

Net Interest Margin

(Q4 2012)

3.78%

$30.9

$36.0

$37.1

$38.4

$40.6

2008

2009*

2010

2011

2012

2013 by Evans Bancorp

~32% of total revenue in 2012

Fee income less rate sensitive

Increased cross-sell

Non-Interest Income

* Excludes $0.7 million gain on bargain purchase.

($ in millions)

2012

14.5%

54.3%

3.8%

27.4%

Bank Charges

Insurance Service & Fees

Bank-owned Life Insurance

Other Income

$11.7

$13.4

$12.6

$12.4

$12.8

2008

2009*

2010

2011

2012

2013 by Evans Bancorp

Bottom-line Results

($ in millions)

Net Income

$ 1.78

$ 0.25

$ 1.34

$ 1.49

$ 1.95

Earnings Per Share

(diluted)

* 2009 and 2010 EPS include leasing losses of $(1.35) and $(0.09), respectively

$4.9

$0.7

$4.8

$6.1

$8.1

2008

2009*

2010*

2011

2012

NYSE MKT:

EVBN

2013 by Evans Bancorp

www.evansbank.com

2013 First Quarter Results

2013 by Evans Bancorp

First Quarter 2013

(in millions, except per share data)

Net Interest Income

Non-Interest Income

Non-Interest Expense

Net Income

Earnings Per Share (diluted)

$6.9

$6.8

$3.3

$6.9

$7.1

Q1 2012

Q1 2013

Q1 2012

Q1 2013

Q1 2012

Q1 2013

$2.4

$1.8

Q1 2012

Q1 2013

$0.58

$0.43

Q1 2012

Q1 2013

2013 by Evans Bancorp

Evans Bancorp –

March 31,

Risk-Based Capital Ratios

Regulatory

Guidelines for

Well Capitalized

2013

2012

2011

Tier 1 leverage ratio

5.00%

9.87%

9.74%

9.89%

Tier 1 risk-based capital

6.00%

14.02%

12.96%

12.95%

Total risk based capital

10.00%

15.28%

14.22%

14.21%

TCE/TA

8.36%

8.05%

7.99%

Tangible Book Value

$16.26

$14.96

$13.48

Capital Structure

2013 by Evans Bancorp

The Year Ahead

NYSE MKT:

EVBN

2013 by Evans Bancorp

www.evansbank.com

Looking Forward

Market Opportunity

2013 by Evans Bancorp

WNY’s

Resurgence

2013 by Evans Bancorp

WNY’s

Resurgence

Source: FDIC, as of June

30, 2012

Opportunity for Expansion

Market Share by Deposits

2012

$32.3B Total Deposits

HSBC

8.8%

M&T

42.7%

Key

Bank

8.3%

First

Niagara

26.2%

Evans

1.9%

Citizens

4.6%

Bank of

America

3.8%

All

Others

3.7%

Continued market share

expansion

Market values community

centric approach

2013 by Evans Bancorp

1.1%

1.9%

2008

2012

2013 by Evans Bancorp

2013 Strategic Plan

Effective Risk

Management

Refocus

Community

Banking Model

Fee Based

Income Growth

Optimize

Technology

Effective

Lending

Strategy

Strengthen

Operating

Model

2013 by Evans Bancorp

2013 by Evans Bancorp

Investment Highlights

NYSE MKT:

EVBN

2013 by Evans Bancorp

www.evansbank.com

Questions

NYSE MKT:

EVBN

2013 by Evans Bancorp

www.evansbank.com

Results of the Election

NYSE MKT:

EVBN

2013 by Evans Bancorp

www.evansbank.com

Annual Meeting of Shareholders

April 25, 2013

Evans Bancorp (EVBN) 8-KEvans Bancorp Reports Net Income of $1.8 Million for the 2013 First Quarter