Call reports 2003
EVERTRUST BANK — 2003
What EVERTRUST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 698,093,000 | 711,446,000 | 731,663,000 | 740,754,000 |
| Total loans | 610,077,000 | 598,347,000 | 574,619,000 | 641,082,000 |
| Allowance for loan losses | 8,979,000 | 9,086,000 | 8,747,000 | 8,973,000 |
| Securities available for sale | 33,604,000 | 45,370,000 | 54,303,000 | 72,663,000 |
| Securities held to maturity | 3,800,000 | 3,602,000 | 3,463,000 | 2,846,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,129,000 | 521,170,000 | 543,273,000 | 560,001,000 |
| Interest-bearing deposits | 490,347,000 | 502,149,000 | 522,379,000 | 535,020,000 |
| Noninterest-bearing deposits | 18,782,000 | 19,021,000 | 20,894,000 | 24,981,000 |
| Equity capital | 70,852,000 | 69,298,000 | 71,380,000 | 73,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 11,716,000 | 23,146,000 | 34,249,000 | 45,004,000 |
| Interest expense | 4,562,000 | 8,988,000 | 13,346,000 | 17,558,000 |
| Net interest income | 7,154,000 | 14,158,000 | 20,903,000 | 27,446,000 |
| Noninterest income | 1,205,000 | 2,433,000 | 3,441,000 | 4,859,000 |
| Noninterest expense | 4,915,000 | 9,402,000 | 13,837,000 | 18,419,000 |
| Provision for loan losses | 0 | 175,000 | 175,000 | 425,000 |
| Pretax income | 3,364,000 | 6,936,000 | 10,254,000 | 13,288,000 |
| Income tax | 956,000 | 2,158,000 | 3,333,000 | 4,399,000 |
| Net income | 2,408,000 | 4,778,000 | 6,921,000 | 8,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,199,000 | 68,829,000 | 70,970,000 | 73,059,000 |
| Total capital | 77,744,000 | 76,422,000 | 78,573,000 | 81,400,000 |
| Risk-weighted assets | 602,145,000 | 605,909,000 | 607,066,000 | 666,172,000 |