Call reports 2016
EVERTRUST BANK — 2016
What EVERTRUST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 802,552,000 | 829,698,000 | 831,414,000 | 853,873,000 |
| Total loans | 546,365,000 | 567,205,000 | 559,560,000 | 585,131,000 |
| Allowance for loan losses | 8,081,000 | 8,379,000 | 9,714,000 | 8,870,000 |
| Securities available for sale | 95,720,000 | 108,927,000 | 106,441,000 | 113,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 631,058,000 | 647,010,000 | 655,533,000 | 656,881,000 |
| Interest-bearing deposits | 583,089,000 | 594,749,000 | 598,961,000 | 601,889,000 |
| Noninterest-bearing deposits | 47,969,000 | 52,261,000 | 56,572,000 | 54,992,000 |
| Equity capital | 149,699,000 | 151,960,000 | 153,996,000 | 154,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,089,000 | 16,045,000 | 23,933,000 | 32,372,000 |
| Interest expense | 1,168,000 | 2,465,000 | 3,820,000 | 5,187,000 |
| Net interest income | 6,921,000 | 13,580,000 | 20,113,000 | 27,185,000 |
| Noninterest income | 526,000 | 1,231,000 | 2,135,000 | 3,317,000 |
| Noninterest expense | 3,516,000 | 6,975,000 | 10,917,000 | 15,031,000 |
| Provision for loan losses | 0 | 230,000 | 230,000 | 230,000 |
| Pretax income | 3,931,000 | 7,606,000 | 11,101,000 | 15,270,000 |
| Income tax | 1,610,000 | 3,205,000 | 4,633,000 | 6,326,000 |
| Net income | 2,321,000 | 4,401,000 | 6,468,000 | 8,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,611,000 | 113,706,000 | 115,782,000 | 118,270,000 |
| Total capital | 119,122,000 | 121,659,000 | 123,252,000 | 126,086,000 |
| Risk-weighted assets | 600,123,000 | 635,479,000 | 595,026,000 | 623,945,000 |