Call reports 2013
EPHRATA NATIONAL BANK — 2013
What EPHRATA NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 798,773,000 | 812,140,000 | 794,276,000 | 812,035,000 |
| Total loans | 415,158,000 | 418,825,000 | 436,224,000 | 438,279,000 |
| Allowance for loan losses | 7,357,000 | 7,273,000 | 7,283,000 | 7,219,000 |
| Securities available for sale | 306,319,000 | 305,238,000 | 280,460,000 | 300,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 639,211,000 | 650,876,000 | 642,863,000 | 656,903,000 |
| Interest-bearing deposits | 476,287,000 | 481,741,000 | 476,877,000 | 483,556,000 |
| Noninterest-bearing deposits | 162,924,000 | 169,135,000 | 165,986,000 | 173,347,000 |
| Equity capital | 88,962,000 | 83,670,000 | 83,758,000 | 83,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,653,000 | 13,259,000 | 20,002,000 | 26,898,000 |
| Interest expense | 1,430,000 | 2,778,000 | 4,100,000 | 5,382,000 |
| Net interest income | 5,223,000 | 10,481,000 | 15,902,000 | 21,516,000 |
| Noninterest income | 1,585,000 | 3,166,000 | 4,612,000 | 6,181,000 |
| Noninterest expense | 5,346,000 | 10,759,000 | 16,080,000 | 21,792,000 |
| Provision for loan losses | -50,000 | -150,000 | -150,000 | -225,000 |
| Pretax income | 2,430,000 | 4,604,000 | 6,643,000 | 9,322,000 |
| Income tax | 392,000 | 684,000 | 958,000 | 1,501,000 |
| Net income | 2,038,000 | 3,920,000 | 5,685,000 | 7,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,613,000 | 84,734,000 | 85,781,000 | 87,174,000 |
| Total capital | 90,038,000 | 91,259,000 | 92,341,000 | 93,783,000 |
| Risk-weighted assets | 512,644,000 | 520,850,000 | 523,621,000 | 527,706,000 |