Call reports 2016
EPHRATA NATIONAL BANK — 2016
What EPHRATA NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 924,055,000 | 938,994,000 | 969,714,000 | 983,934,000 |
| Total loans | 545,588,000 | 550,567,000 | 570,493,000 | 574,119,000 |
| Allowance for loan losses | 7,040,000 | 7,247,000 | 7,435,000 | 7,562,000 |
| Securities available for sale | 286,530,000 | 286,344,000 | 297,181,000 | 307,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 750,037,000 | 770,083,000 | 793,238,000 | 818,804,000 |
| Interest-bearing deposits | 506,084,000 | 515,701,000 | 531,787,000 | 536,948,000 |
| Noninterest-bearing deposits | 243,953,000 | 254,382,000 | 261,451,000 | 281,856,000 |
| Equity capital | 95,751,000 | 98,315,000 | 98,352,000 | 93,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,880,000 | 13,167,000 | 20,552,000 | 28,312,000 |
| Interest expense | 811,000 | 1,568,000 | 2,319,000 | 3,054,000 |
| Net interest income | 6,069,000 | 11,599,000 | 18,233,000 | 25,258,000 |
| Noninterest income | 1,924,000 | 4,072,000 | 6,435,000 | 8,773,000 |
| Noninterest expense | 6,454,000 | 13,077,000 | 19,791,000 | 27,029,000 |
| Provision for loan losses | -50,000 | 0 | 200,000 | 325,000 |
| Pretax income | 2,317,000 | 4,260,000 | 6,807,000 | 8,877,000 |
| Income tax | 382,000 | 600,000 | 1,045,000 | 1,353,000 |
| Net income | 1,935,000 | 3,660,000 | 5,762,000 | 7,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,424,000 | 96,379,000 | 97,211,000 | 98,176,000 |
| Total capital | 102,830,000 | 104,014,000 | 105,018,000 | 106,084,000 |
| Risk-weighted assets | 665,501,000 | 667,545,000 | 695,907,000 | 707,929,000 |