Call reports 2025
EVERTRUST BANK — 2025
What EVERTRUST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 963,184,000 | 1,008,290,000 | 1,089,770,000 | 1,107,990,000 |
| Total loans | 719,677,000 | 798,101,000 | 816,241,000 | 841,375,000 |
| Allowance for loan losses | 9,928,000 | 9,720,000 | 9,357,000 | 9,233,000 |
| Securities available for sale | 84,877,000 | 79,018,000 | 68,068,000 | 77,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 698,944,000 | 737,056,000 | 816,358,000 | 834,170,000 |
| Interest-bearing deposits | 588,622,000 | 618,593,000 | 661,699,000 | 706,527,000 |
| Noninterest-bearing deposits | 110,322,000 | 118,463,000 | 154,659,000 | 127,643,000 |
| Equity capital | 244,756,000 | 248,565,000 | 252,742,000 | 256,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 13,121,000 | 27,103,000 | 42,280,000 | 57,456,000 |
| Interest expense | 4,971,000 | 9,946,000 | 15,521,000 | 21,566,000 |
| Net interest income | 8,150,000 | 17,157,000 | 26,759,000 | 35,890,000 |
| Noninterest income | 200,000 | 384,000 | 631,000 | 759,000 |
| Noninterest expense | 4,451,000 | 9,129,000 | 13,859,000 | 18,763,000 |
| Provision for loan losses | 0 | 0 | 0 | -47,000 |
| Pretax income | 3,899,000 | 8,412,000 | 13,531,000 | 17,886,000 |
| Income tax | 1,146,000 | 2,473,000 | 3,980,000 | 5,376,000 |
| Net income | 2,753,000 | 5,939,000 | 9,551,000 | 12,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 212,242,000 | 215,439,000 | 219,084,000 | 222,050,000 |