Call reports 2015
EPHRATA NATIONAL BANK — 2015
What EPHRATA NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 862,311,000 | 869,105,000 | 863,663,000 | 905,051,000 |
| Total loans | 483,274,000 | 486,097,000 | 496,058,000 | 521,409,000 |
| Allowance for loan losses | 7,140,000 | 7,249,000 | 7,106,000 | 7,078,000 |
| Securities available for sale | 292,429,000 | 295,512,000 | 277,920,000 | 288,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 696,083,000 | 702,662,000 | 692,805,000 | 740,567,000 |
| Interest-bearing deposits | 489,777,000 | 494,724,000 | 484,011,000 | 503,847,000 |
| Noninterest-bearing deposits | 206,306,000 | 207,938,000 | 208,794,000 | 236,720,000 |
| Equity capital | 93,673,000 | 91,954,000 | 93,992,000 | 93,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,871,000 | 13,585,000 | 20,340,000 | 26,827,000 |
| Interest expense | 1,014,000 | 1,965,000 | 2,893,000 | 3,744,000 |
| Net interest income | 5,857,000 | 11,620,000 | 17,447,000 | 23,083,000 |
| Noninterest income | 1,640,000 | 3,434,000 | 5,247,000 | 7,215,000 |
| Noninterest expense | 6,115,000 | 12,194,000 | 18,278,000 | 24,562,000 |
| Provision for loan losses | 200,000 | 300,000 | 150,000 | 150,000 |
| Pretax income | 1,743,000 | 3,721,000 | 5,941,000 | 8,401,000 |
| Income tax | 243,000 | 521,000 | 903,000 | 1,358,000 |
| Net income | 1,500,000 | 3,200,000 | 5,038,000 | 7,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,150,000 | 92,455,000 | 93,523,000 | 94,258,000 |
| Total capital | 98,511,000 | 99,950,000 | 101,014,000 | 101,791,000 |
| Risk-weighted assets | 588,858,000 | 599,700,000 | 610,700,000 | 644,945,000 |