Call reports 2009
EPHRATA NATIONAL BANK — 2009
What EPHRATA NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 700,249,000 | 719,146,000 | 718,389,000 | 725,952,000 |
| Total loans | 411,780,000 | 421,589,000 | 424,254,000 | 428,031,000 |
| Allowance for loan losses | 4,261,000 | 4,447,000 | 5,743,000 | 5,912,000 |
| Securities available for sale | 230,660,000 | 240,581,000 | 234,413,000 | 236,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 535,609,000 | 558,057,000 | 552,256,000 | 570,632,000 |
| Interest-bearing deposits | 426,281,000 | 445,188,000 | 437,062,000 | 448,278,000 |
| Noninterest-bearing deposits | 109,328,000 | 112,869,000 | 115,194,000 | 122,354,000 |
| Equity capital | 66,096,000 | 67,097,000 | 69,376,000 | 68,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,406,000 | 16,817,000 | 25,322,000 | 33,803,000 |
| Interest expense | 3,274,000 | 6,630,000 | 9,844,000 | 12,818,000 |
| Net interest income | 5,132,000 | 10,187,000 | 15,478,000 | 20,985,000 |
| Noninterest income | 1,504,000 | 3,166,000 | 4,643,000 | 6,265,000 |
| Noninterest expense | 5,435,000 | 10,566,000 | 15,340,000 | 20,069,000 |
| Provision for loan losses | 150,000 | 376,000 | 1,720,000 | 2,920,000 |
| Pretax income | 1,119,000 | 2,567,000 | 3,020,000 | 4,436,000 |
| Income tax | 38,000 | 226,000 | 37,000 | 136,000 |
| Net income | 1,081,000 | 2,341,000 | 2,983,000 | 4,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,241,000 | 68,665,000 | 68,450,000 | 69,077,000 |
| Total capital | 72,715,000 | 73,325,000 | 74,329,000 | 74,990,000 |
| Risk-weighted assets | 463,307,000 | 473,849,000 | 470,138,000 | 472,728,000 |