Call reports 2004
EPHRATA NATIONAL BANK — 2004
What EPHRATA NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 524,807,000 | 534,786,000 | 534,680,000 | 544,246,000 |
| Total loans | 286,037,000 | 292,463,000 | 296,797,000 | 301,982,000 |
| Allowance for loan losses | 2,523,000 | 2,640,000 | 2,728,000 | 2,581,000 |
| Securities available for sale | 204,306,000 | 203,610,000 | 201,148,000 | 204,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,764,000 | 414,732,000 | 406,838,000 | 415,138,000 |
| Interest-bearing deposits | 324,671,000 | 330,577,000 | 320,359,000 | 322,055,000 |
| Noninterest-bearing deposits | 81,093,000 | 84,155,000 | 86,479,000 | 93,083,000 |
| Equity capital | 65,846,000 | 62,139,000 | 65,629,000 | 65,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,438,000 | 12,833,000 | 19,318,000 | 25,969,000 |
| Interest expense | 1,895,000 | 3,790,000 | 5,723,000 | 7,703,000 |
| Net interest income | 4,543,000 | 9,043,000 | 13,595,000 | 18,266,000 |
| Noninterest income | 808,000 | 1,555,000 | 2,291,000 | 3,076,000 |
| Noninterest expense | 3,251,000 | 6,478,000 | 9,732,000 | 13,129,000 |
| Provision for loan losses | 150,000 | 300,000 | 420,000 | 357,000 |
| Pretax income | 2,108,000 | 4,198,000 | 6,282,000 | 8,455,000 |
| Income tax | 413,000 | 837,000 | 1,228,000 | 1,654,000 |
| Net income | 1,695,000 | 3,361,000 | 5,054,000 | 6,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,512,000 | 62,367,000 | 63,350,000 | 64,000,000 |
| Total capital | 64,035,000 | 65,007,000 | 66,078,000 | 66,764,000 |
| Risk-weighted assets | 317,701,000 | 325,580,000 | 330,040,000 | 335,864,000 |