Call reports 2023
EVERMORE BANK — 2023
What EVERMORE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 55,608,000 | 78,840,000 | 87,508,000 | 99,105,000 |
| Total loans | 20,604,000 | 40,379,000 | 60,743,000 | 75,114,000 |
| Allowance for loan losses | 229,000 | 470,000 | 659,000 | 752,000 |
| Securities available for sale | 0 | 0 | 0 | 2,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,266,000 | 49,955,000 | 59,078,000 | 70,798,000 |
| Interest-bearing deposits | 22,088,000 | 44,632,000 | 52,177,000 | 64,653,000 |
| Noninterest-bearing deposits | 4,178,000 | 5,323,000 | 6,901,000 | 6,145,000 |
| Equity capital | 27,019,000 | 26,439,000 | 26,085,000 | 25,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 536,000 | 1,494,000 | 2,842,000 | 4,447,000 |
| Interest expense | 127,000 | 431,000 | 918,000 | 1,532,000 |
| Net interest income | 409,000 | 1,063,000 | 1,924,000 | 2,915,000 |
| Noninterest income | 4,000 | 15,000 | 37,000 | 100,000 |
| Noninterest expense | 993,000 | 2,028,000 | 3,129,000 | 4,351,000 |
| Provision for loan losses | 229,000 | 470,000 | 659,000 | 752,000 |
| Pretax income | -813,000 | -1,448,000 | -1,857,000 | -2,128,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -813,000 | -1,448,000 | -1,857,000 | -2,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,018,000 | 26,439,000 | 26,084,000 | 25,870,000 |
| Total capital | 27,249,000 | 26,938,000 | 26,773,000 | 26,662,000 |
| Risk-weighted assets | 26,300,000 | 51,691,000 | 68,925,000 | 83,136,000 |