Call reports 2014
EPHRATA NATIONAL BANK — 2014
What EPHRATA NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 824,823,000 | 850,124,000 | 850,379,000 | 856,969,000 |
| Total loans | 446,165,000 | 448,258,000 | 458,130,000 | 471,674,000 |
| Allowance for loan losses | 7,056,000 | 6,968,000 | 6,968,000 | 7,141,000 |
| Securities available for sale | 292,977,000 | 307,471,000 | 300,934,000 | 295,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 667,781,000 | 683,808,000 | 687,852,000 | 700,336,000 |
| Interest-bearing deposits | 485,213,000 | 500,552,000 | 498,953,000 | 489,207,000 |
| Noninterest-bearing deposits | 182,568,000 | 183,256,000 | 188,899,000 | 211,129,000 |
| Equity capital | 86,516,000 | 89,119,000 | 90,451,000 | 91,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,870,000 | 13,693,000 | 20,387,000 | 27,129,000 |
| Interest expense | 1,217,000 | 2,434,000 | 3,589,000 | 4,676,000 |
| Net interest income | 5,653,000 | 11,259,000 | 16,798,000 | 22,453,000 |
| Noninterest income | 1,518,000 | 3,103,000 | 4,754,000 | 6,438,000 |
| Noninterest expense | 5,770,000 | 11,492,000 | 17,234,000 | 23,278,000 |
| Provision for loan losses | -200,000 | -300,000 | -300,000 | -50,000 |
| Pretax income | 2,264,000 | 4,397,000 | 6,469,000 | 8,723,000 |
| Income tax | 399,000 | 746,000 | 1,083,000 | 1,546,000 |
| Net income | 1,865,000 | 3,651,000 | 5,386,000 | 7,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,296,000 | 89,309,000 | 89,769,000 | 90,787,000 |
| Total capital | 94,957,000 | 96,007,000 | 96,627,000 | 97,921,000 |
| Risk-weighted assets | 532,029,000 | 535,198,000 | 548,179,000 | 570,418,000 |