Call reports 2006
EPHRATA NATIONAL BANK — 2006
What EPHRATA NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 582,261,000 | 595,562,000 | 596,922,000 | 606,670,000 |
| Total loans | 332,990,000 | 353,598,000 | 358,575,000 | 366,501,000 |
| Allowance for loan losses | 2,855,000 | 2,873,000 | 3,168,000 | 3,244,000 |
| Securities available for sale | 207,703,000 | 193,310,000 | 188,640,000 | 191,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,199,000 | 467,508,000 | 456,495,000 | 469,259,000 |
| Interest-bearing deposits | 358,996,000 | 365,779,000 | 363,145,000 | 366,751,000 |
| Noninterest-bearing deposits | 94,203,000 | 101,729,000 | 93,350,000 | 102,508,000 |
| Equity capital | 63,649,000 | 63,075,000 | 65,087,000 | 65,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,540,000 | 15,365,000 | 23,414,000 | 31,567,000 |
| Interest expense | 2,878,000 | 6,024,000 | 9,369,000 | 12,904,000 |
| Net interest income | 4,662,000 | 9,341,000 | 14,045,000 | 18,663,000 |
| Noninterest income | 1,055,000 | 2,123,000 | 3,134,000 | 4,272,000 |
| Noninterest expense | 3,569,000 | 7,464,000 | 11,256,000 | 15,300,000 |
| Provision for loan losses | 75,000 | 150,000 | 1,113,000 | 1,276,000 |
| Pretax income | 2,065,000 | 3,857,000 | 4,035,000 | 5,489,000 |
| Income tax | 372,000 | 633,000 | 567,000 | 718,000 |
| Net income | 1,693,000 | 3,224,000 | 3,468,000 | 4,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,407,000 | 66,104,000 | 66,180,000 | 66,756,000 |
| Total capital | 68,429,000 | 69,144,000 | 69,527,000 | 70,250,000 |
| Risk-weighted assets | 368,179,000 | 391,826,000 | 394,546,000 | 402,900,000 |