Call reports 2019
EVERTRUST BANK — 2019
What EVERTRUST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 909,574,000 | 933,384,000 | 933,426,000 | 945,202,000 |
| Total loans | 660,264,000 | 672,101,000 | 657,845,000 | 682,538,000 |
| Allowance for loan losses | 9,150,000 | 9,150,000 | 9,150,000 | 9,520,000 |
| Securities available for sale | 85,732,000 | 95,131,000 | 103,416,000 | 102,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 699,868,000 | 689,751,000 | 734,921,000 | 742,576,000 |
| Interest-bearing deposits | 609,638,000 | 597,884,000 | 633,035,000 | 634,218,000 |
| Noninterest-bearing deposits | 90,230,000 | 91,867,000 | 101,886,000 | 108,359,000 |
| Equity capital | 179,137,000 | 183,652,000 | 187,327,000 | 190,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,426,000 | 23,377,000 | 35,112,000 | 45,803,000 |
| Interest expense | 2,667,000 | 5,570,000 | 8,590,000 | 11,633,000 |
| Net interest income | 8,759,000 | 17,807,000 | 26,522,000 | 34,170,000 |
| Noninterest income | 346,000 | 726,000 | 1,101,000 | 1,258,000 |
| Noninterest expense | 3,918,000 | 7,870,000 | 11,864,000 | 15,564,000 |
| Provision for loan losses | 0 | 0 | 0 | 370,000 |
| Pretax income | 5,187,000 | 10,663,000 | 15,759,000 | 19,494,000 |
| Income tax | 1,530,000 | 3,166,000 | 4,671,000 | 5,783,000 |
| Net income | 3,657,000 | 7,497,000 | 11,088,000 | 13,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,086,000 | 145,942,000 | 149,543,000 | 152,190,000 |
| Total capital | 151,687,000 | 155,401,000 | 158,956,000 | 161,824,000 |
| Risk-weighted assets | 796,800,000 | 823,561,000 | 801,810,000 | 825,049,000 |