Call reports 2008
EPHRATA NATIONAL BANK — 2008
What EPHRATA NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 660,439,000 | 678,552,000 | 678,325,000 | 688,423,000 |
| Total loans | 386,666,000 | 386,785,000 | 397,384,000 | 412,199,000 |
| Allowance for loan losses | 3,914,000 | 4,033,000 | 4,054,000 | 4,203,000 |
| Securities available for sale | 211,323,000 | 231,021,000 | 219,911,000 | 214,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 494,058,000 | 509,110,000 | 510,739,000 | 511,459,000 |
| Interest-bearing deposits | 390,929,000 | 397,395,000 | 398,653,000 | 396,850,000 |
| Noninterest-bearing deposits | 103,129,000 | 111,715,000 | 112,086,000 | 114,609,000 |
| Equity capital | 69,886,000 | 68,134,000 | 66,816,000 | 67,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,585,000 | 17,253,000 | 26,071,000 | 34,725,000 |
| Interest expense | 3,752,000 | 7,393,000 | 11,018,000 | 14,598,000 |
| Net interest income | 4,833,000 | 9,860,000 | 15,053,000 | 20,127,000 |
| Noninterest income | 1,330,000 | 2,607,000 | 3,921,000 | 5,413,000 |
| Noninterest expense | 4,404,000 | 8,996,000 | 13,983,000 | 20,468,000 |
| Provision for loan losses | 199,000 | 349,000 | 519,000 | 669,000 |
| Pretax income | 1,586,000 | 3,234,000 | 3,711,000 | 3,897,000 |
| Income tax | 191,000 | 411,000 | 623,000 | -117,000 |
| Net income | 1,395,000 | 2,823,000 | 3,088,000 | 4,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,127,000 | 69,678,000 | 69,380,000 | 68,501,000 |
| Total capital | 73,209,000 | 73,897,000 | 73,710,000 | 72,917,000 |
| Risk-weighted assets | 433,595,000 | 433,719,000 | 443,885,000 | 453,081,000 |