Call reports 2020
EVERTRUST BANK — 2020
What EVERTRUST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 934,541,000 | 918,871,000 | 983,879,000 | 1,000,500,000 |
| Total loans | 672,341,000 | 666,950,000 | 690,428,000 | 704,124,000 |
| Allowance for loan losses | 9,930,000 | 9,368,000 | 9,368,000 | 9,797,000 |
| Securities available for sale | 112,073,000 | 69,093,000 | 44,471,000 | 38,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 700,950,000 | 676,791,000 | 738,140,000 | 756,990,000 |
| Interest-bearing deposits | 591,007,000 | 590,290,000 | 613,726,000 | 635,158,000 |
| Noninterest-bearing deposits | 109,943,000 | 86,501,000 | 124,414,000 | 121,832,000 |
| Equity capital | 193,960,000 | 194,743,000 | 197,275,000 | 200,057,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,536,000 | 19,277,000 | 27,865,000 | 37,332,000 |
| Interest expense | 2,659,000 | 4,502,000 | 6,054,000 | 7,451,000 |
| Net interest income | 7,877,000 | 14,775,000 | 21,811,000 | 29,881,000 |
| Noninterest income | 223,000 | 468,000 | 907,000 | 1,176,000 |
| Noninterest expense | 3,994,000 | 7,018,000 | 10,799,000 | 14,941,000 |
| Provision for loan losses | 410,000 | 3,910,000 | 3,910,000 | 4,080,000 |
| Pretax income | 3,696,000 | 4,926,000 | 9,311,000 | 13,450,000 |
| Income tax | 1,086,000 | 1,436,000 | 2,724,000 | 3,937,000 |
| Net income | 2,610,000 | 3,490,000 | 6,587,000 | 9,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 154,821,000 | 155,704,000 | 158,804,000 | 161,731,000 |