Call reports 2005
EPHRATA NATIONAL BANK — 2005
What EPHRATA NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 549,874,000 | 557,752,000 | 557,455,000 | 577,578,000 |
| Total loans | 304,310,000 | 314,939,000 | 322,501,000 | 329,444,000 |
| Allowance for loan losses | 2,680,000 | 2,681,000 | 2,770,000 | 2,795,000 |
| Securities available for sale | 204,117,000 | 205,233,000 | 197,198,000 | 206,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,676,000 | 426,641,000 | 423,598,000 | 448,786,000 |
| Interest-bearing deposits | 325,899,000 | 328,874,000 | 330,514,000 | 349,247,000 |
| Noninterest-bearing deposits | 88,778,000 | 97,767,000 | 93,084,000 | 99,539,000 |
| Equity capital | 64,775,000 | 66,483,000 | 65,546,000 | 64,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,750,000 | 13,587,000 | 20,736,000 | 28,087,000 |
| Interest expense | 2,057,000 | 4,297,000 | 6,737,000 | 9,401,000 |
| Net interest income | 4,693,000 | 9,290,000 | 13,999,000 | 18,686,000 |
| Noninterest income | 1,103,000 | 2,021,000 | 2,852,000 | 3,881,000 |
| Noninterest expense | 3,565,000 | 7,046,000 | 10,500,000 | 13,883,000 |
| Provision for loan losses | -49,000 | 41,000 | 131,000 | 221,000 |
| Pretax income | 2,306,000 | 4,351,000 | 6,299,000 | 8,595,000 |
| Income tax | 445,000 | 879,000 | 1,205,000 | 1,610,000 |
| Net income | 1,861,000 | 3,472,000 | 5,094,000 | 6,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,408,000 | 65,826,000 | 65,536,000 | 65,473,000 |
| Total capital | 68,257,000 | 68,683,000 | 68,513,000 | 68,438,000 |
| Risk-weighted assets | 337,217,000 | 344,802,000 | 352,435,000 | 360,690,000 |