Evergreen International Bank

Headquarters

850 Long Beach Boulevard
Long Beach, CA 90813
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Evergreen International Bank is an FDIC insured institution located in Long Beach, CA. It was founded in 2007 and has approximately $0.02 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58391
Date Established 2007
Assets $ 22.47 million
Loans $ 0.23 million
Deposits $ 12.27 million
Capital $ 7.86 million
 

For a more detailed analysis of Evergreen International Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Evergreen International Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.569% 2.500% 0.88 $2,258 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Evergreen International Bank
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Branches

Evergreen International Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Evergreen International Bank Locations


Financial Details

Evergreen International Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Evergreen International Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Evergreen International Bank U.S. Bank Average
2.93% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Evergreen International Bank had $230,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $7,855,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 2.93%.

Return on Equity
Evergreen International Bank U.S. Bank Average
-24.16% 7.80%

Evergreen International Bank has a Return on Equity of -24.16% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Evergreen International Bank U.S. Bank Average
34.95% 12.68%

Evergreen International Bank has a Capitalization of 34.95% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Evergreen International Bank Balance Sheet Analysis

As of December 31, 2012, Evergreen International Bank had assets of $22,473,000, loans of $230,000, and deposits of $12,269,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 0.23 million
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 12.27 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 22.47 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Evergreen International Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in California, Evergreen International Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 100.00
Construction and Development Loans 0.00
Commercial Real Estate 100.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Evergreen International Bank

Branches and Savings

Is Evergreen International Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58391.

Why does Evergreen International Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Evergreen International Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Evergreen International Bank a commercial bank?

Yes

Where are Evergreen International Bank locations?

See branch locations nearby.

Is Evergreen International Bank open on Saturdays?

Is Evergreen International Bank open on Sundays?

What time does Evergreen International Bank open?

What time does Evergreen International Bank close?

Are Evergreen International Bank ATMs Open 24/7?

Do Evergreen International Bank ATMs accept cash deposits?

Can Evergreen International Bank customers use other ATMs?

Do Evergreen International Bank branches have notaries?

Will Evergreen International Bank notarize my document?

What address for Evergreen International Bank should I put for incoming ACH transfers?

Will the Evergreen International Bank branch print checks?

Do Evergreen International Bank checks expire?

Does Evergreen International Bank require US citizenship to open account?

Can Evergreen International Bank close my account?

Does Evergreen International Bank Report to credit bureaus?

Does Evergreen International Bank Use Equifax?

What is Evergreen International Bank's ACH Routing Number?

What is Evergreen International Bank's SWIFT code?

Products

Does Evergreen International Bank offer mortgages?

Compare mortgage rates here.

Does Evergreen International Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Evergreen International Bank offer personal loans?

Compare personal loan rates here.

Does Evergreen International Bank offer student loans?

Will Evergreen International Bank cash a check?

Will Evergreen International Bank redeem a savings bond?

Does Evergreen International Bank cash savings bonds?

Will Evergreen International Bank cash money orders?

Can Evergreen International Bank issue a money order?

Does Evergreen International Bank do currency exchange?

Background on The Bank

Who owns Evergreen International Bank?

How long has Evergreen International Bank been around?

Can Evergreen International Bank transfer to other banks?

Does Evergreen International Bank have quick pay?

Does Evergreen International Bank accept rolled coins?

Will Evergreen International Bank accept loose change?

Where is Evergreen International Bank headquarters?

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