Call reports 2012
EVERTRUST BANK — 2012
What EVERTRUST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 493,238,000 | 509,980,000 | 522,300,000 | 531,829,000 |
| Total loans | 298,630,000 | 302,568,000 | 306,097,000 | 321,623,000 |
| Allowance for loan losses | 8,458,000 | 8,514,000 | 8,514,000 | 8,633,000 |
| Securities available for sale | 96,065,000 | 94,921,000 | 129,430,000 | 128,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,803,000 | 368,262,000 | 380,482,000 | 388,689,000 |
| Interest-bearing deposits | 327,813,000 | 342,432,000 | 353,326,000 | 354,882,000 |
| Noninterest-bearing deposits | 24,990,000 | 25,830,000 | 27,156,000 | 33,807,000 |
| Equity capital | 114,640,000 | 115,982,000 | 117,284,000 | 118,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,548,000 | 8,934,000 | 13,448,000 | 17,960,000 |
| Interest expense | 803,000 | 1,600,000 | 2,326,000 | 2,996,000 |
| Net interest income | 3,745,000 | 7,334,000 | 11,122,000 | 14,964,000 |
| Noninterest income | 140,000 | 490,000 | 750,000 | 1,790,000 |
| Noninterest expense | 2,578,000 | 4,960,000 | 7,390,000 | 10,119,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,822,000 | 3,674,000 | 5,413,000 | 7,566,000 |
| Income tax | 759,000 | 1,476,000 | 2,200,000 | 3,095,000 |
| Net income | 1,063,000 | 2,198,000 | 3,213,000 | 4,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,058,000 | 73,630,000 | 74,932,000 | 77,528,000 |
| Total capital | 76,010,000 | 77,723,000 | 79,110,000 | 81,734,000 |
| Risk-weighted assets | 311,486,000 | 322,824,000 | 329,728,000 | 331,840,000 |
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