Call reports 2014
EVERTRUST BANK — 2014
What EVERTRUST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 650,306,000 | 664,298,000 | 672,735,000 | 678,291,000 |
| Total loans | 461,939,000 | 439,917,000 | 456,129,000 | 481,282,000 |
| Allowance for loan losses | 8,877,000 | 8,877,000 | 8,877,000 | 8,877,000 |
| Securities available for sale | 69,945,000 | 79,373,000 | 106,994,000 | 98,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 475,142,000 | 488,565,000 | 484,077,000 | 497,766,000 |
| Interest-bearing deposits | 439,987,000 | 449,625,000 | 445,903,000 | 450,682,000 |
| Noninterest-bearing deposits | 35,155,000 | 38,940,000 | 38,174,000 | 47,084,000 |
| Equity capital | 123,453,000 | 125,519,000 | 136,901,000 | 139,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,065,000 | 12,737,000 | 19,028,000 | 25,554,000 |
| Interest expense | 793,000 | 1,629,000 | 2,492,000 | 3,372,000 |
| Net interest income | 5,272,000 | 11,108,000 | 16,536,000 | 22,182,000 |
| Noninterest income | 193,000 | 385,000 | 605,000 | 1,199,000 |
| Noninterest expense | 3,023,000 | 6,124,000 | 9,133,000 | 12,283,000 |
| Provision for loan losses | 520,000 | 520,000 | 520,000 | 520,000 |
| Pretax income | 1,922,000 | 4,849,000 | 7,488,000 | 10,602,000 |
| Income tax | 797,000 | 2,011,000 | 3,101,000 | 4,417,000 |
| Net income | 1,125,000 | 2,838,000 | 4,387,000 | 6,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,333,000 | 86,088,000 | 98,143,000 | 99,797,000 |
| Total capital | 90,208,000 | 91,963,000 | 104,502,000 | 106,451,000 |
| Risk-weighted assets | 466,806,000 | 466,836,000 | 505,991,000 | 529,864,000 |
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