Call reports 2007
EPHRATA NATIONAL BANK — 2007
What EPHRATA NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 616,282,000 | 618,343,000 | 631,134,000 | 633,762,000 |
| Total loans | 368,298,000 | 375,801,000 | 385,658,000 | 385,363,000 |
| Allowance for loan losses | 3,425,000 | 3,539,000 | 3,588,000 | 3,682,000 |
| Securities available for sale | 191,101,000 | 186,327,000 | 191,467,000 | 192,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,155,000 | 471,239,000 | 473,295,000 | 478,726,000 |
| Interest-bearing deposits | 373,057,000 | 371,664,000 | 367,872,000 | 370,887,000 |
| Noninterest-bearing deposits | 95,098,000 | 99,575,000 | 105,423,000 | 107,839,000 |
| Equity capital | 66,252,000 | 65,398,000 | 67,539,000 | 68,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,209,000 | 16,628,000 | 25,165,000 | 33,784,000 |
| Interest expense | 3,578,000 | 7,224,000 | 10,950,000 | 14,692,000 |
| Net interest income | 4,631,000 | 9,404,000 | 14,215,000 | 19,092,000 |
| Noninterest income | 1,115,000 | 2,292,000 | 3,426,000 | 4,644,000 |
| Noninterest expense | 4,134,000 | 8,442,000 | 12,496,000 | 16,831,000 |
| Provision for loan losses | 1,074,000 | 1,236,000 | 1,326,000 | 1,446,000 |
| Pretax income | 538,000 | 2,016,000 | 3,987,000 | 5,616,000 |
| Income tax | -144,000 | 23,000 | 351,000 | 553,000 |
| Net income | 682,000 | 1,993,000 | 3,636,000 | 5,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,808,000 | 67,328,000 | 68,215,000 | 68,636,000 |
| Total capital | 70,485,000 | 71,041,000 | 71,979,000 | 72,509,000 |
| Risk-weighted assets | 408,490,000 | 418,209,000 | 435,045,000 | 435,728,000 |