Call reports 2011
EPHRATA NATIONAL BANK — 2011
What EPHRATA NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 755,524,000 | 754,498,000 | 768,778,000 | 764,126,000 |
| Total loans | 423,673,000 | 409,255,000 | 408,660,000 | 414,564,000 |
| Allowance for loan losses | 7,583,000 | 7,801,000 | 8,253,000 | 8,480,000 |
| Securities available for sale | 254,807,000 | 265,637,000 | 284,644,000 | 277,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 595,757,000 | 594,368,000 | 604,258,000 | 606,478,000 |
| Interest-bearing deposits | 454,509,000 | 455,562,000 | 463,995,000 | 456,168,000 |
| Noninterest-bearing deposits | 141,248,000 | 138,806,000 | 140,263,000 | 150,310,000 |
| Equity capital | 74,516,000 | 77,973,000 | 80,850,000 | 81,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,843,000 | 15,774,000 | 23,669,000 | 31,233,000 |
| Interest expense | 2,196,000 | 4,288,000 | 6,343,000 | 8,246,000 |
| Net interest income | 5,647,000 | 11,486,000 | 17,326,000 | 22,987,000 |
| Noninterest income | 1,443,000 | 2,672,000 | 4,093,000 | 5,582,000 |
| Noninterest expense | 4,982,000 | 9,907,000 | 14,859,000 | 20,038,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,575,000 |
| Pretax income | 1,995,000 | 4,209,000 | 6,256,000 | 8,456,000 |
| Income tax | 274,000 | 577,000 | 870,000 | 1,186,000 |
| Net income | 1,721,000 | 3,632,000 | 5,386,000 | 7,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,820,000 | 75,091,000 | 76,146,000 | 77,359,000 |
| Total capital | 79,611,000 | 80,817,000 | 81,938,000 | 83,280,000 |
| Risk-weighted assets | 461,188,000 | 455,746,000 | 460,684,000 | 470,872,000 |