Call reports 2001
EPHRATA NATIONAL BANK — 2001
What EPHRATA NATIONAL 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 | 399,981,000 | 416,115,000 | 433,308,000 | 438,919,000 |
| Total loans | 242,113,000 | 246,477,000 | 251,627,000 | 253,400,000 |
| Allowance for loan losses | 2,283,000 | 2,263,000 | 2,347,000 | 2,391,000 |
| Securities available for sale | 131,946,000 | 137,104,000 | 152,535,000 | 151,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,258,000 | 343,603,000 | 360,517,000 | 357,035,000 |
| Interest-bearing deposits | 273,719,000 | 282,188,000 | 291,990,000 | 288,754,000 |
| Noninterest-bearing deposits | 58,539,000 | 61,415,000 | 68,528,000 | 68,282,000 |
| Equity capital | 52,423,000 | 52,649,000 | 54,841,000 | 54,015,000 |
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 | 6,535,000 | 13,217,000 | 20,051,000 | 26,800,000 |
| Interest expense | 3,168,000 | 6,237,000 | 9,283,000 | 12,000,000 |
| Net interest income | 3,367,000 | 6,980,000 | 10,768,000 | 14,800,000 |
| Noninterest income | 606,000 | 1,188,000 | 1,709,000 | 2,308,000 |
| Noninterest expense | 2,418,000 | 4,952,000 | 7,426,000 | 10,064,000 |
| Provision for loan losses | 60,000 | 120,000 | 210,000 | 300,000 |
| Pretax income | 1,495,000 | 3,117,000 | 4,861,000 | 6,764,000 |
| Income tax | 312,000 | 647,000 | 985,000 | 1,406,000 |
| Net income | 1,183,000 | 2,470,000 | 3,876,000 | 5,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,544,000 | 51,999,000 | 52,871,000 | 53,785,000 |
| Total capital | 53,836,000 | 54,283,000 | 55,281,000 | 56,198,000 |
| Risk-weighted assets | 252,105,000 | 265,630,000 | 271,950,000 | 271,063,000 |