Call reports 2002
EPHRATA NATIONAL BANK — 2002
What EPHRATA NATIONAL 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 | 446,609,000 | 455,849,000 | 466,808,000 | 478,885,000 |
| Total loans | 263,337,000 | 261,972,000 | 266,948,000 | 268,009,000 |
| Allowance for loan losses | 2,449,000 | 2,534,000 | 2,620,000 | 2,271,000 |
| Securities available for sale | 154,030,000 | 166,936,000 | 170,681,000 | 174,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,544,000 | 356,338,000 | 361,591,000 | 372,962,000 |
| Interest-bearing deposits | 283,614,000 | 289,173,000 | 289,517,000 | 297,624,000 |
| Noninterest-bearing deposits | 69,930,000 | 67,165,000 | 72,074,000 | 75,338,000 |
| Equity capital | 54,890,000 | 57,738,000 | 60,577,000 | 61,105,000 |
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 | 6,562,000 | 13,158,000 | 19,831,000 | 26,552,000 |
| Interest expense | 2,382,000 | 4,725,000 | 7,112,000 | 9,403,000 |
| Net interest income | 4,180,000 | 8,433,000 | 12,719,000 | 17,149,000 |
| Noninterest income | 1,008,000 | 1,623,000 | 2,295,000 | 2,973,000 |
| Noninterest expense | 2,872,000 | 5,656,000 | 8,638,000 | 11,463,000 |
| Provision for loan losses | 90,000 | 210,000 | 330,000 | 1,000,000 |
| Pretax income | 2,318,000 | 4,288,000 | 6,097,000 | 7,711,000 |
| Income tax | 432,000 | 860,000 | 1,198,000 | 1,467,000 |
| Net income | 1,886,000 | 3,428,000 | 4,899,000 | 6,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,044,000 | 55,826,000 | 56,600,000 | 57,234,000 |
| Total capital | 57,493,000 | 58,360,000 | 59,220,000 | 59,505,000 |
| Risk-weighted assets | 286,310,000 | 286,101,000 | 284,674,000 | 290,728,000 |