Call reports 2012
EPHRATA NATIONAL BANK — 2012
What EPHRATA NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 768,486,000 | 776,626,000 | 784,807,000 | 799,164,000 |
| Total loans | 411,395,000 | 402,536,000 | 402,541,000 | 415,127,000 |
| Allowance for loan losses | 8,208,000 | 7,877,000 | 7,644,000 | 7,516,000 |
| Securities available for sale | 280,342,000 | 294,146,000 | 304,481,000 | 305,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 606,922,000 | 615,270,000 | 620,569,000 | 633,614,000 |
| Interest-bearing deposits | 458,602,000 | 468,593,000 | 470,095,000 | 476,834,000 |
| Noninterest-bearing deposits | 148,320,000 | 146,677,000 | 150,474,000 | 156,780,000 |
| Equity capital | 83,164,000 | 85,461,000 | 88,202,000 | 88,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,330,000 | 14,498,000 | 21,465,000 | 28,267,000 |
| Interest expense | 1,741,000 | 3,366,000 | 4,926,000 | 6,413,000 |
| Net interest income | 5,589,000 | 11,132,000 | 16,539,000 | 21,854,000 |
| Noninterest income | 1,820,000 | 3,323,000 | 4,739,000 | 6,337,000 |
| Noninterest expense | 5,392,000 | 10,601,000 | 15,647,000 | 21,030,000 |
| Provision for loan losses | -250,000 | -600,000 | -850,000 | -975,000 |
| Pretax income | 2,612,000 | 5,029,000 | 7,398,000 | 9,076,000 |
| Income tax | 383,000 | 776,000 | 1,160,000 | 1,295,000 |
| Net income | 2,229,000 | 4,253,000 | 6,238,000 | 7,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,873,000 | 80,184,000 | 81,460,000 | 82,319,000 |
| Total capital | 84,829,000 | 86,103,000 | 87,397,000 | 88,454,000 |
| Risk-weighted assets | 473,822,000 | 471,261,000 | 472,985,000 | 489,023,000 |