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Evermore Bank, Income and Expense

2025-03-31 (YTD Data)Rank
Total interest income$3,350,0002,649
Total interest expense$1,580,0002,160
Net interest income$1,770,0002,982
Provision for loan and lease losses$291,000839
Total noninterest income$84,0003,584
Gross Fiduciary activities income$0918
Service charges on deposit accounts$26,0003,238
Trading account gains and feesNANA
Additional Noninterest Income$58,0003,421
Total noninterest expense$1,529,0002,836
Salaries and employee benefits$1,144,0002,407
Premises and equipment expense$137,0002,861
Additional noninterest expense$58,0003,421
Pre-tax net operating income$34,0004,093
Securities gains (losses)$0665
Applicable income taxes$03,151
Income before extraordinary items$34,0004,068
Extraordinary gains, net$047
Net income$34,0004,109
Minority interest net income$065
Net income of bank and minority interests.$34,0004,068
Net charge-offs$02,299
Cash dividends$02,364
Sale, conversion, retirement of capital stock, net$130,000274
Net operating income$34,0004,078
2024-12-31 (YTD Data)Rank
Total interest income$10,608,0002,935
Total interest expense$4,878,0002,520
Net interest income$5,730,0003,181
Provision for loan and lease losses$601,0001,237
Total noninterest income$252,0003,826
Gross Fiduciary activities income$01,000
Service charges on deposit accounts$110,0003,260
Trading account gains and feesNANA
Additional Noninterest Income$142,0003,758
Total noninterest expense$5,379,0002,994
Salaries and employee benefits$3,857,0002,633
Premises and equipment expense$540,0002,856
Additional noninterest expense$142,0003,758
Pre-tax net operating income$2,0004,160
Securities gains (losses)$0940
Applicable income taxes$03,278
Income before extraordinary items$2,0004,152
Extraordinary gains, net$053
Net income$2,0004,195
Minority interest net income$090
Net income of bank and minority interests.$2,0004,152
Net charge-offs$03,072
Cash dividends$03,434
Sale, conversion, retirement of capital stock, net$12,395,00071
Net operating income$2,0004,163
2024-09-30 (YTD Data)Rank
Total interest income$7,481,0003,001
Total interest expense$3,364,0002,614
Net interest income$4,117,0003,224
Provision for loan and lease losses$416,0001,219
Total noninterest income$197,0003,801
Gross Fiduciary activities income$0972
Service charges on deposit accounts$65,0003,451
Trading account gains and feesNANA
Additional Noninterest Income$132,0003,649
Total noninterest expense$4,046,0002,964
Salaries and employee benefits$2,916,0002,601
Premises and equipment expense$403,0002,854
Additional noninterest expense$132,0003,649
Pre-tax net operating income$-148,0004,316
Securities gains (losses)$0930
Applicable income taxes$03,278
Income before extraordinary items$-148,0004,301
Extraordinary gains, net$051
Net income$-148,0004,301
Minority interest net income$082
Net income of bank and minority interests.$-148,0004,302
Net charge-offs$02,823
Cash dividends$03,076
Sale, conversion, retirement of capital stock, net$12,304,00058
Net operating income$-148,0004,317
2024-06-30 (YTD Data)Rank
Total interest income$4,415,0003,138
Total interest expense$1,978,0002,732
Net interest income$2,437,0003,350
Provision for loan and lease losses$281,0001,164
Total noninterest income$126,0003,827
Gross Fiduciary activities income$0962
Service charges on deposit accounts$37,0003,556
Trading account gains and feesNANA
Additional Noninterest Income$89,0003,639
Total noninterest expense$2,618,0003,002
Salaries and employee benefits$1,907,0002,626
Premises and equipment expense$266,0002,866
Additional noninterest expense$89,0003,639
Pre-tax net operating income$-336,0004,410
Securities gains (losses)$0628
Applicable income taxes$03,283
Income before extraordinary items$-336,0004,395
Extraordinary gains, net$052
Net income$-336,0004,396
Minority interest net income$084
Net income of bank and minority interests.$-336,0004,397
Net charge-offs$02,587
Cash dividends$02,949
Sale, conversion, retirement of capital stock, net$182,000309
Net operating income$-336,0004,408
2024-03-31 (YTD Data)Rank
Total interest income$1,905,0003,306
Total interest expense$810,0002,928
Net interest income$1,095,0003,479
Provision for loan and lease losses$102,0001,226
Total noninterest income$34,0004,112
Gross Fiduciary activities income$0895
Service charges on deposit accounts$17,0003,604
Trading account gains and feesNANA
Additional Noninterest Income$17,0004,064
Total noninterest expense$1,284,0003,023
Salaries and employee benefits$935,0002,650
Premises and equipment expense$129,0002,898
Additional noninterest expense$17,0004,070
Pre-tax net operating income$-257,0004,452
Securities gains (losses)$0689
Applicable income taxes$03,183
Income before extraordinary items$-257,0004,442
Extraordinary gains, net$051
Net income$-257,0004,442
Minority interest net income$072
Net income of bank and minority interests.$-257,0004,442
Net charge-offs$02,217
Cash dividends$02,345
Sale, conversion, retirement of capital stock, net$91,000243
Net operating income$-257,0004,451
2023-12-31 (YTD Data)Rank
Total interest income$4,447,0003,786
Total interest expense$1,532,0003,309
Net interest income$2,915,0003,930
Provision for loan and lease losses$792,000967
Total noninterest income$100,0004,273
Gross Fiduciary activities income$0981
Service charges on deposit accounts$23,0004,150
Trading account gains and feesNANA
Additional Noninterest Income$77,0004,098
Total noninterest expense$4,351,0003,237
Salaries and employee benefits$3,137,0002,874
Premises and equipment expense$522,0002,895
Additional noninterest expense$77,0004,098
Pre-tax net operating income$-2,128,0004,532
Securities gains (losses)$0988
Applicable income taxes$03,369
Income before extraordinary items$-2,128,0004,514
Extraordinary gains, net$054
Net income$-2,128,0004,513
Minority interest net income$088
Net income of bank and minority interests.$-2,128,0004,514
Net charge-offs$02,884
Cash dividends$03,459
Sale, conversion, retirement of capital stock, net$221,000356
Net operating income$-2,128,0004,527
2023-09-30 (YTD Data)Rank
Total interest income$2,842,0003,937
Total interest expense$918,0003,452
Net interest income$1,924,0004,046
Provision for loan and lease losses$689,000835
Total noninterest income$37,0004,429
Gross Fiduciary activities income$0950
Service charges on deposit accounts$13,0004,229
Trading account gains and feesNANA
Additional Noninterest Income$24,0004,312
Total noninterest expense$3,129,0003,276
Salaries and employee benefits$2,219,0002,940
Premises and equipment expense$401,0002,866
Additional noninterest expense$24,0004,308
Pre-tax net operating income$-1,857,0004,536
Securities gains (losses)$0849
Applicable income taxes$03,407
Income before extraordinary items$-1,857,0004,553
Extraordinary gains, net$052
Net income$-1,857,0004,551
Minority interest net income$081
Net income of bank and minority interests.$-1,857,0004,553
Net charge-offs$02,641
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$166,000344
Net operating income$-1,857,0004,561
2023-06-30 (YTD Data)Rank
Total interest income$1,494,0004,110
Total interest expense$431,0003,644
Net interest income$1,063,0004,210
Provision for loan and lease losses$498,000789
Total noninterest income$15,0004,520
Gross Fiduciary activities income$0931
Service charges on deposit accounts$6,0004,315
Trading account gains and feesNANA
Additional Noninterest Income$9,0004,443
Total noninterest expense$2,028,0003,307
Salaries and employee benefits$1,441,0002,975
Premises and equipment expense$263,0002,888
Additional noninterest expense$9,0004,432
Pre-tax net operating income$-1,448,0004,578
Securities gains (losses)$0938
Applicable income taxes$03,436
Income before extraordinary items$-1,448,0004,601
Extraordinary gains, net$051
Net income$-1,448,0004,599
Minority interest net income$081
Net income of bank and minority interests.$-1,448,0004,600
Net charge-offs$02,431
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$112,000335
Net operating income$-1,448,0004,602
2023-03-31 (YTD Data)Rank
Total interest income$536,0004,339
Total interest expense$127,0003,902
Net interest income$409,0004,369
Provision for loan and lease losses$233,000815
Total noninterest income$4,0004,603
Gross Fiduciary activities income$0913
Service charges on deposit accounts$1,0004,443
Trading account gains and feesNANA
Additional Noninterest Income$3,0004,499
Total noninterest expense$993,0003,377
Salaries and employee benefits$710,0003,046
Premises and equipment expense$128,0002,977
Additional noninterest expense$3,0004,499
Pre-tax net operating income$-813,0004,635
Securities gains (losses)$0950
Applicable income taxes$03,388
Income before extraordinary items$-813,0004,616
Extraordinary gains, net$04
Net income$-813,0004,616
Minority interest net income$048
Net income of bank and minority interests.$-813,0004,616
Net charge-offs$02,062
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$56,000307
Net operating income$-813,0004,626
2022-12-31 (YTD Data)Rank
Total interest income$104,0004,684
Total interest expense$8,0004,632
Net interest income$96,0004,685
Provision for loan and lease losses$03,012
Total noninterest income$04,677
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$04,545
Trading account gains and feesNANA
Additional Noninterest Income$04,616
Total noninterest expense$1,490,0004,358
Salaries and employee benefits$100,0004,692
Premises and equipment expense$50,0004,598
Additional noninterest expense$04,616
Pre-tax net operating income$-1,394,0004,661
Securities gains (losses)$0691
Applicable income taxes$03,596
Income before extraordinary items$-1,394,0004,642
Extraordinary gains, net$05
Net income$-1,394,0004,641
Minority interest net income$063
Net income of bank and minority interests.$-1,394,0004,642
Net charge-offs$02,620
Cash dividends$03,475
Sale, conversion, retirement of capital stock, net$29,170,00036
Net operating income$-1,394,0004,650

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.