Call reports 2003
EPHRATA NATIONAL BANK — 2003
What EPHRATA NATIONAL 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 | 486,888,000 | 500,561,000 | 509,497,000 | 525,995,000 |
| Total loans | 275,346,000 | 278,850,000 | 277,611,000 | 283,931,000 |
| Allowance for loan losses | 2,272,000 | 2,404,000 | 2,309,000 | 2,397,000 |
| Securities available for sale | 176,180,000 | 187,587,000 | 194,005,000 | 201,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,942,000 | 391,039,000 | 394,732,000 | 407,244,000 |
| Interest-bearing deposits | 303,872,000 | 315,226,000 | 318,347,000 | 320,196,000 |
| Noninterest-bearing deposits | 76,070,000 | 75,813,000 | 76,385,000 | 87,048,000 |
| Equity capital | 61,640,000 | 63,722,000 | 62,598,000 | 63,808,000 |
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 | 6,516,000 | 13,019,000 | 19,350,000 | 25,750,000 |
| Interest expense | 2,162,000 | 4,208,000 | 6,196,000 | 8,173,000 |
| Net interest income | 4,354,000 | 8,811,000 | 13,154,000 | 17,577,000 |
| Noninterest income | 746,000 | 1,611,000 | 2,387,000 | 3,238,000 |
| Noninterest expense | 3,102,000 | 6,295,000 | 9,413,000 | 12,606,000 |
| Provision for loan losses | 225,000 | 375,000 | 525,000 | 675,000 |
| Pretax income | 1,994,000 | 3,973,000 | 5,989,000 | 8,063,000 |
| Income tax | 409,000 | 838,000 | 1,254,000 | 1,596,000 |
| Net income | 1,585,000 | 3,135,000 | 4,735,000 | 6,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,147,000 | 58,508,000 | 59,499,000 | 60,470,000 |
| Total capital | 60,419,000 | 60,912,000 | 61,808,000 | 62,867,000 |
| Risk-weighted assets | 297,012,000 | 302,873,000 | 305,528,000 | 312,566,000 |