Call reports 2025
EVERMORE BANK — 2025
What EVERMORE 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 | 215,213,000 | 244,035,000 | 271,217,000 | 293,816,000 |
| Total loans | 175,299,000 | 204,212,000 | 215,073,000 | 220,785,000 |
| Allowance for loan losses | 1,653,000 | 2,083,000 | 2,365,000 | 2,458,000 |
| Securities available for sale | 8,714,000 | 8,465,000 | 8,291,000 | 10,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,339,000 | 202,223,000 | 228,563,000 | 250,509,000 |
| Interest-bearing deposits | 158,342,000 | 184,609,000 | 215,318,000 | 235,715,000 |
| Noninterest-bearing deposits | 15,997,000 | 17,614,000 | 13,245,000 | 14,794,000 |
| Equity capital | 38,422,000 | 39,403,000 | 39,913,000 | 40,408,000 |
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 | 3,350,000 | 7,372,000 | 11,908,000 | 16,640,000 |
| Interest expense | 1,580,000 | 3,453,000 | 5,565,000 | 7,847,000 |
| Net interest income | 1,770,000 | 3,919,000 | 6,343,000 | 8,793,000 |
| Noninterest income | 84,000 | 174,000 | 260,000 | 346,000 |
| Noninterest expense | 1,529,000 | 3,160,000 | 4,901,000 | 6,744,000 |
| Provision for loan losses | 291,000 | 721,000 | 1,003,000 | 1,096,000 |
| Pretax income | 34,000 | 211,000 | 680,000 | 1,222,000 |
| Income tax | 0 | -700,000 | -560,000 | -403,000 |
| Net income | 34,000 | 911,000 | 1,240,000 | 1,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,429,000 | 39,409,000 | 39,888,000 | 40,389,000 |
| Total capital | 40,112,000 | 41,524,000 | 42,303,000 | 42,955,000 |
| Risk-weighted assets | 174,271,000 | 202,240,000 | 211,617,000 | 219,436,000 |