Call reports 2015
EVERTRUST BANK — 2015
What EVERTRUST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 700,858,000 | 732,573,000 | 753,435,000 | 806,954,000 |
| Total loans | 489,036,000 | 502,413,000 | 550,468,000 | 586,850,000 |
| Allowance for loan losses | 8,877,000 | 7,827,000 | 8,431,000 | 8,594,000 |
| Securities available for sale | 80,193,000 | 101,663,000 | 71,149,000 | 91,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 527,488,000 | 569,137,000 | 558,548,000 | 579,014,000 |
| Interest-bearing deposits | 482,688,000 | 519,223,000 | 507,906,000 | 525,804,000 |
| Noninterest-bearing deposits | 44,800,000 | 49,914,000 | 50,642,000 | 53,210,000 |
| Equity capital | 141,357,000 | 142,614,000 | 144,653,000 | 146,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,788,000 | 13,679,000 | 21,143,000 | 29,173,000 |
| Interest expense | 911,000 | 1,855,000 | 2,789,000 | 3,793,000 |
| Net interest income | 5,877,000 | 11,824,000 | 18,354,000 | 25,380,000 |
| Noninterest income | 324,000 | 791,000 | 1,119,000 | 1,650,000 |
| Noninterest expense | 3,200,000 | 6,270,000 | 9,433,000 | 12,659,000 |
| Provision for loan losses | 0 | 950,000 | 1,550,000 | 1,710,000 |
| Pretax income | 3,203,000 | 5,678,000 | 8,773,000 | 12,944,000 |
| Income tax | 1,316,000 | 2,319,000 | 3,585,000 | 5,325,000 |
| Net income | 1,887,000 | 3,359,000 | 5,188,000 | 7,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,610,000 | 105,088,000 | 106,927,000 | 109,353,000 |
| Total capital | 109,678,000 | 111,194,000 | 113,426,000 | 117,051,000 |
| Risk-weighted assets | 482,495,000 | 486,539,000 | 517,853,000 | 614,734,000 |