Call reports 2024
EVERMORE BANK — 2024
What EVERMORE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 125,508,000 | 168,171,000 | 185,471,000 | 196,112,000 |
| Total loans | 85,644,000 | 103,977,000 | 116,395,000 | 139,574,000 |
| Allowance for loan losses | 849,000 | 1,028,000 | 1,156,000 | 1,362,000 |
| Securities available for sale | 2,916,000 | 4,359,000 | 6,687,000 | 7,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,110,000 | 139,971,000 | 144,872,000 | 155,396,000 |
| Interest-bearing deposits | 87,345,000 | 115,205,000 | 131,377,000 | 144,117,000 |
| Noninterest-bearing deposits | 9,765,000 | 24,766,000 | 13,495,000 | 11,279,000 |
| Equity capital | 25,679,000 | 25,689,000 | 38,036,000 | 38,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,905,000 | 4,415,000 | 7,481,000 | 10,608,000 |
| Interest expense | 810,000 | 1,978,000 | 3,364,000 | 4,878,000 |
| Net interest income | 1,095,000 | 2,437,000 | 4,117,000 | 5,730,000 |
| Noninterest income | 34,000 | 126,000 | 197,000 | 252,000 |
| Noninterest expense | 1,284,000 | 2,618,000 | 4,046,000 | 5,379,000 |
| Provision for loan losses | 97,000 | 276,000 | 403,000 | 610,000 |
| Pretax income | -257,000 | -336,000 | -148,000 | 2,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -257,000 | -336,000 | -148,000 | 2,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,702,000 | 25,716,000 | 38,023,000 | 38,267,000 |
| Total capital | 26,596,000 | 26,789,000 | 39,231,000 | 39,659,000 |
| Risk-weighted assets | 93,354,000 | 108,968,000 | 120,279,000 | 143,402,000 |