Call reports 2010
EPHRATA NATIONAL BANK — 2010
What EPHRATA NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 746,900,000 | 750,489,000 | 750,480,000 | 747,690,000 |
| Total loans | 437,060,000 | 426,824,000 | 428,596,000 | 416,005,000 |
| Allowance for loan losses | 6,214,000 | 6,413,000 | 6,714,000 | 7,132,000 |
| Securities available for sale | 243,006,000 | 256,079,000 | 248,150,000 | 259,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 591,862,000 | 593,287,000 | 595,283,000 | 596,441,000 |
| Interest-bearing deposits | 467,482,000 | 468,242,000 | 465,691,000 | 464,061,000 |
| Noninterest-bearing deposits | 124,380,000 | 125,045,000 | 129,592,000 | 132,381,000 |
| Equity capital | 71,084,000 | 73,564,000 | 76,504,000 | 73,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,154,000 | 16,494,000 | 24,805,000 | 32,754,000 |
| Interest expense | 2,811,000 | 5,526,000 | 8,146,000 | 10,547,000 |
| Net interest income | 5,343,000 | 10,968,000 | 16,659,000 | 22,207,000 |
| Noninterest income | 1,521,000 | 3,026,000 | 4,337,000 | 5,811,000 |
| Noninterest expense | 4,841,000 | 9,875,000 | 14,837,000 | 19,772,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,800,000 |
| Pretax income | 1,732,000 | 3,673,000 | 5,544,000 | 7,418,000 |
| Income tax | 253,000 | 486,000 | 726,000 | 965,000 |
| Net income | 1,479,000 | 3,187,000 | 4,818,000 | 6,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,879,000 | 70,921,000 | 71,858,000 | 72,795,000 |
| Total capital | 75,885,000 | 76,722,000 | 77,617,000 | 78,475,000 |
| Risk-weighted assets | 479,514,000 | 463,223,000 | 459,523,000 | 452,697,000 |