Call reports 2001
EVERTRUST BANK — 2001
What EVERTRUST BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 587,302,000 | 592,819,000 | 612,707,000 | 641,414,000 |
| Total loans | 491,738,000 | 512,240,000 | 539,042,000 | 566,935,000 |
| Allowance for loan losses | 7,439,000 | 7,712,000 | 8,038,000 | 8,508,000 |
| Securities available for sale | 52,075,000 | 46,742,000 | 43,405,000 | 44,759,000 |
| Securities held to maturity | 8,362,000 | 7,789,000 | 7,665,000 | 5,686,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,859,000 | 397,549,000 | 414,166,000 | 436,447,000 |
| Interest-bearing deposits | 391,685,000 | 391,284,000 | 403,756,000 | 423,189,000 |
| Noninterest-bearing deposits | 8,174,000 | 6,265,000 | 10,410,000 | 13,258,000 |
| Equity capital | 80,488,000 | 77,188,000 | 79,136,000 | 74,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 11,857,000 | 23,616,000 | 35,498,000 | 47,478,000 |
| Interest expense | 6,204,000 | 12,168,000 | 17,938,000 | 23,192,000 |
| Net interest income | 5,653,000 | 11,448,000 | 17,560,000 | 24,286,000 |
| Noninterest income | 432,000 | 924,000 | 1,481,000 | 2,143,000 |
| Noninterest expense | 3,297,000 | 7,106,000 | 11,163,000 | 15,396,000 |
| Provision for loan losses | 210,000 | 460,000 | 835,000 | 1,460,000 |
| Pretax income | 2,592,000 | 4,843,000 | 7,080,000 | 9,610,000 |
| Income tax | 804,000 | 1,493,000 | 2,183,000 | 2,972,000 |
| Net income | 1,788,000 | 3,350,000 | 4,897,000 | 6,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,333,000 | 76,577,000 | 78,159,000 | 74,208,000 |
| Total capital | 85,843,000 | 83,421,000 | 85,320,000 | 81,689,000 |
| Risk-weighted assets | 519,855,000 | 546,613,000 | 572,031,000 | 597,486,000 |