Call reports 2002
EVERTRUST BANK — 2002
What EVERTRUST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 670,890,000 | 670,977,000 | 681,197,000 | 698,930,000 |
| Total loans | 584,176,000 | 579,572,000 | 575,624,000 | 617,405,000 |
| Allowance for loan losses | 8,754,000 | 8,917,000 | 8,857,000 | 9,036,000 |
| Securities available for sale | 48,957,000 | 48,170,000 | 39,732,000 | 33,696,000 |
| Securities held to maturity | 4,955,000 | 4,795,000 | 4,167,000 | 3,873,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,390,000 | 455,623,000 | 481,570,000 | 503,790,000 |
| Interest-bearing deposits | 435,727,000 | 444,588,000 | 465,692,000 | 483,683,000 |
| Noninterest-bearing deposits | 14,663,000 | 11,035,000 | 15,878,000 | 20,107,000 |
| Equity capital | 71,043,000 | 70,788,000 | 72,943,000 | 75,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 11,778,000 | 23,756,000 | 35,598,000 | 47,291,000 |
| Interest expense | 5,028,000 | 10,053,000 | 15,073,000 | 19,980,000 |
| Net interest income | 6,750,000 | 13,703,000 | 20,525,000 | 27,311,000 |
| Noninterest income | 713,000 | 1,491,000 | 2,513,000 | 3,875,000 |
| Noninterest expense | 4,314,000 | 8,904,000 | 13,591,000 | 18,099,000 |
| Provision for loan losses | 250,000 | 440,000 | 440,000 | 640,000 |
| Pretax income | 2,901,000 | 5,852,000 | 9,058,000 | 12,445,000 |
| Income tax | 915,000 | 1,752,000 | 2,662,000 | 3,622,000 |
| Net income | 1,986,000 | 4,100,000 | 6,396,000 | 8,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,482,000 | 69,805,000 | 71,829,000 | 74,604,000 |
| Total capital | 78,294,000 | 76,725,000 | 78,781,000 | 81,982,000 |
| Risk-weighted assets | 624,009,000 | 551,605,000 | 554,276,000 | 588,542,000 |